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$7,309
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$231/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,240
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,536/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$8,132
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$221/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,142/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$8,771
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$277/mo
Today · 4.125%
HK$9,321
baseline
▲ 0.50% · 4.625%
HK$9,888
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,642/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$9,758
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,020
−HK$265/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,570/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$10,233
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,551
−HK$324/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,536
+HK$661/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$21,750/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$11,384
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,689
−HK$310/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,632
+HK$633/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$23,998/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$13,157
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,566
−HK$416/mo
Today · 4.125%
HK$13,982
baseline
▲ 0.50% · 4.625%
HK$14,833
+HK$851/mo
Deposit HK$321K · loan HK$2.88M · min. income ≈ HK$27,964/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$14,637
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$399/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,241
+HK$813/mo
Deposit HK$321K · loan HK$2.88M · min. income ≈ HK$30,856/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).