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$7,283
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,509
−HK$231/mo
Today · 4.125%
HK$7,740
baseline
▲ 0.50% · 4.625%
HK$8,210
+HK$470/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,480/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$8,102
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,319
−HK$221/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,080/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$8,739
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,011
−HK$276/mo
Today · 4.125%
HK$9,287
baseline
▲ 0.50% · 4.625%
HK$9,853
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,574/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$9,722
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,983
−HK$265/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,788
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,496/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$10,196
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$322/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$660/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,670/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$11,343
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$309/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$630/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$23,912/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$13,109
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$414/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,779
+HK$848/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,862/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$14,584
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$397/mo
Today · 4.125%
HK$15,372
baseline
▲ 0.50% · 4.625%
HK$16,182
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,744/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).