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$7,293
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,520
−HK$230/mo
Today · 4.125%
HK$7,750
baseline
▲ 0.50% · 4.625%
HK$8,222
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,500/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$8,113
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$220/mo
Today · 4.125%
HK$8,551
baseline
▲ 0.50% · 4.625%
HK$9,002
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,102/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$8,751
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,024
−HK$276/mo
Today · 4.125%
HK$9,300
baseline
▲ 0.50% · 4.625%
HK$9,866
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,600/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$9,736
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,997
−HK$265/mo
Today · 4.125%
HK$10,262
baseline
▲ 0.50% · 4.625%
HK$10,803
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,524/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$10,210
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,527
−HK$323/mo
Today · 4.125%
HK$10,850
baseline
▲ 0.50% · 4.625%
HK$11,510
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,700/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,358
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$309/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,603
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,944/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,127
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,535
−HK$415/mo
Today · 4.125%
HK$13,950
baseline
▲ 0.50% · 4.625%
HK$14,799
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,900/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$14,604
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,995
−HK$398/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,204
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,786/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).