The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,873
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$217/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,646
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,851
−HK$208/mo
Today · 4.125%
HK$8,059
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,118/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,248
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,504
−HK$261/mo
Today · 4.125%
HK$8,765
baseline
▲ 0.50% · 4.625%
HK$9,298
+HK$533/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,530/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,175
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$250/mo
Today · 4.125%
HK$9,671
baseline
▲ 0.50% · 4.625%
HK$10,181
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,342/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,622
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$305/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$622/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,452/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,705
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$291/mo
Today · 4.125%
HK$11,283
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$595/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,566/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,371
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,756
−HK$391/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$800/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,294/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,763
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$375/mo
Today · 4.125%
HK$14,507
baseline
▲ 0.50% · 4.625%
HK$15,271
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$29,014/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).