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$7,310
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$231/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,241
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,536/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$8,132
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$221/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,142/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$8,772
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,045
−HK$277/mo
Today · 4.125%
HK$9,322
baseline
▲ 0.50% · 4.625%
HK$9,889
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,644/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$9,759
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,020
−HK$266/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,828
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,572/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$10,234
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$324/mo
Today · 4.125%
HK$10,876
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$661/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$21,752/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,385
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,690
−HK$310/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$633/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$24,000/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,158
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,567
−HK$416/mo
Today · 4.125%
HK$13,983
baseline
▲ 0.50% · 4.625%
HK$14,834
+HK$851/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,966/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$14,638
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,030
−HK$399/mo
Today · 4.125%
HK$15,429
baseline
▲ 0.50% · 4.625%
HK$16,242
+HK$813/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,858/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).