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$7,315
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,542
−HK$231/mo
Today · 4.125%
HK$7,773
baseline
▲ 0.50% · 4.625%
HK$8,246
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,546/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$8,138
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,356
−HK$221/mo
Today · 4.125%
HK$8,577
baseline
▲ 0.50% · 4.625%
HK$9,029
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,154/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$8,778
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,051
−HK$277/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$568/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,656/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$9,765
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,027
−HK$266/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,835
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,586/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$10,241
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$324/mo
Today · 4.125%
HK$10,883
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$662/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$21,766/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,393
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$310/mo
Today · 4.125%
HK$12,008
baseline
▲ 0.50% · 4.625%
HK$12,641
+HK$633/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$24,016/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,167
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,576
−HK$416/mo
Today · 4.125%
HK$13,992
baseline
▲ 0.50% · 4.625%
HK$14,844
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,984/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,648
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,041
−HK$398/mo
Today · 4.125%
HK$15,439
baseline
▲ 0.50% · 4.625%
HK$16,253
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,878/mo (50% DSR)
Upfront cash ≈ HK$321K (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).