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$7,284
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$231/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,212
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,482/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$8,103
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$220/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,082/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$8,741
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$277/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,578/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$9,724
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,985
−HK$264/mo
Today · 4.125%
HK$10,249
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,498/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$10,197
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$322/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$659/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,674/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$11,344
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$308/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,588
+HK$631/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$23,914/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$13,111
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$414/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$848/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,866/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$14,586
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$397/mo
Today · 4.125%
HK$15,374
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,748/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).