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$7,306
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,534
−HK$231/mo
Today · 4.125%
HK$7,765
baseline
▲ 0.50% · 4.625%
HK$8,237
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,530/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$8,128
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$221/mo
Today · 4.125%
HK$8,567
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,134/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$8,768
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,040
−HK$277/mo
Today · 4.125%
HK$9,317
baseline
▲ 0.50% · 4.625%
HK$9,884
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,634/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$9,754
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,015
−HK$266/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,562/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$10,229
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$323/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,532
+HK$662/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,740/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,380
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,685
−HK$309/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,627
+HK$633/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,988/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,151
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,561
−HK$415/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$851/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,952/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$14,631
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$398/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$813/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,842/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).