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$7,274
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$230/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,201
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,460/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$8,092
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$221/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$449/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,060/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$8,729
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$275/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$565/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,552/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$9,711
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,971
−HK$265/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,775
+HK$539/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,472/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$10,184
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$321/mo
Today · 4.125%
HK$10,822
baseline
▲ 0.50% · 4.625%
HK$11,481
+HK$659/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,644/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,329
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$309/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,571
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,884/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,094
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$414/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,830/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$14,566
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,957
−HK$396/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,706/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).