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$7,286
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$230/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,214
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,484/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$8,105
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$220/mo
Today · 4.125%
HK$8,543
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,086/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$8,743
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$276/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,856
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,582/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$9,726
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$265/mo
Today · 4.125%
HK$10,252
baseline
▲ 0.50% · 4.625%
HK$10,792
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,504/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$10,200
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$322/mo
Today · 4.125%
HK$10,839
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,678/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,347
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$308/mo
Today · 4.125%
HK$11,960
baseline
▲ 0.50% · 4.625%
HK$12,591
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,920/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,114
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$414/mo
Today · 4.125%
HK$13,936
baseline
▲ 0.50% · 4.625%
HK$14,784
+HK$848/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,872/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$14,589
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$396/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,188
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,754/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).