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$7,276
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,502
−HK$230/mo
Today · 4.125%
HK$7,732
baseline
▲ 0.50% · 4.625%
HK$8,203
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,464/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$8,095
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,312
−HK$220/mo
Today · 4.125%
HK$8,532
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,064/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$8,731
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$276/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$565/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,558/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$9,714
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,974
−HK$264/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$540/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,476/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$10,187
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,503
−HK$322/mo
Today · 4.125%
HK$10,825
baseline
▲ 0.50% · 4.625%
HK$11,484
+HK$659/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,650/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$11,333
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,636
−HK$309/mo
Today · 4.125%
HK$11,945
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,890/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$13,097
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$414/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,765
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,836/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$14,570
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$397/mo
Today · 4.125%
HK$15,358
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,716/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).