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$7,304
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,531
−HK$231/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,234
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,524/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$8,126
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,343
−HK$222/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,016
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,130/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$8,765
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$277/mo
Today · 4.125%
HK$9,314
baseline
▲ 0.50% · 4.625%
HK$9,881
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,628/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$9,751
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,012
−HK$265/mo
Today · 4.125%
HK$10,277
baseline
▲ 0.50% · 4.625%
HK$10,819
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,554/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$10,225
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$323/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,734/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,376
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,681
−HK$309/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,622
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,980/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,147
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,556
−HK$415/mo
Today · 4.125%
HK$13,971
baseline
▲ 0.50% · 4.625%
HK$14,822
+HK$851/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,942/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$14,626
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,018
−HK$398/mo
Today · 4.125%
HK$15,416
baseline
▲ 0.50% · 4.625%
HK$16,229
+HK$813/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,832/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).