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$7,288
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,514
−HK$231/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,216
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,490/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$8,108
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$221/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$8,996
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,092/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$8,745
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,017
−HK$277/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,859
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,588/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$9,729
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$265/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,510/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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$323/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$659/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,686/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$11,351
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$309/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$630/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,928/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$13,118
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,526
−HK$415/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$848/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,882/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$14,594
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,985
−HK$397/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,193
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,764/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).