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$7,287
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,514
−HK$230/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,216
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,488/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$8,107
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$220/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$8,996
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,090/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$8,745
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,017
−HK$276/mo
Today · 4.125%
HK$9,293
baseline
▲ 0.50% · 4.625%
HK$9,859
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,586/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$9,729
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$264/mo
Today · 4.125%
HK$10,254
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,508/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$10,202
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$322/mo
Today · 4.125%
HK$10,842
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,684/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,350
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$308/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,926/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,117
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,526
−HK$414/mo
Today · 4.125%
HK$13,940
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$848/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,880/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,593
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$397/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,192
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$320K (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).