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$7,279
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,506
−HK$230/mo
Today · 4.125%
HK$7,736
baseline
▲ 0.50% · 4.625%
HK$8,206
+HK$470/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,472/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$8,098
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,315
−HK$220/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$8,985
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,070/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$8,735
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$276/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,848
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,566/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$9,718
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$265/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,782
+HK$539/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,486/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$10,191
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$322/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,489
+HK$659/mo
Deposit HK$958K · loan HK$2.23M · min. income ≈ HK$21,660/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,337
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$309/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,580
+HK$630/mo
Deposit HK$958K · loan HK$2.23M · min. income ≈ HK$23,900/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,102
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$414/mo
Today · 4.125%
HK$13,924
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,848/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$14,576
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,967
−HK$397/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,174
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,728/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).