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$457/mo
▼ 0.25% · 3.875%
HK$7,505
−HK$230/mo
Today · 4.125%
HK$7,735
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$470/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,470/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$438/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$221/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$449/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,070/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$8,734
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,006
−HK$276/mo
Today · 4.125%
HK$9,282
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,564/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$9,717
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,977
−HK$264/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$10,190
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$322/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,488
+HK$659/mo
Deposit HK$958K · loan HK$2.23M · min. income ≈ HK$21,658/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$11,336
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,640
−HK$308/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,578
+HK$630/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$13,101
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$414/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,770
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,846/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$14,575
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$396/mo
Today · 4.125%
HK$15,362
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,724/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).