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$7,317
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$232/mo
Today · 4.125%
HK$7,776
baseline
▲ 0.50% · 4.625%
HK$8,249
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,552/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$8,140
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$222/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,032
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,160/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$8,780
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$278/mo
Today · 4.125%
HK$9,331
baseline
▲ 0.50% · 4.625%
HK$9,899
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,662/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$9,768
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$266/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$542/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,592/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$10,244
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$324/mo
Today · 4.125%
HK$10,886
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$662/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,772/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,396
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$310/mo
Today · 4.125%
HK$12,012
baseline
▲ 0.50% · 4.625%
HK$12,645
+HK$633/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,024/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,170
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$416/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,992/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$398/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,886/mo (50% DSR)
Upfront cash ≈ HK$321K (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).