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$7,278
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$230/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,468/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$8,097
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$220/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,068/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$8,733
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$276/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,562/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$9,716
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$265/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,482/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$10,189
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,506
−HK$322/mo
Today · 4.125%
HK$10,828
baseline
▲ 0.50% · 4.625%
HK$11,487
+HK$659/mo
Deposit HK$958K · loan HK$2.23M · min. income ≈ HK$21,656/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$11,335
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$309/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,577
+HK$629/mo
Deposit HK$958K · loan HK$2.23M · min. income ≈ HK$23,896/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$13,100
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,508
−HK$414/mo
Today · 4.125%
HK$13,922
baseline
▲ 0.50% · 4.625%
HK$14,769
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,844/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$14,574
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,965
−HK$396/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,171
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,722/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).