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$7,275
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,501
−HK$230/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,462/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,093
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,310
−HK$221/mo
Today · 4.125%
HK$8,531
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$449/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,062/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,730
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,002
−HK$275/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$565/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,554/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,712
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$265/mo
Today · 4.125%
HK$10,237
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,474/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,185
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$322/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,482
+HK$658/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,648/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,331
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$308/mo
Today · 4.125%
HK$11,943
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,886/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,095
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$414/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,568
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$396/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$319K (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).