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$7,294
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$230/mo
Today · 4.125%
HK$7,751
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,502/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$8,114
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$221/mo
Today · 4.125%
HK$8,553
baseline
▲ 0.50% · 4.625%
HK$9,004
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,106/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$8,753
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,025
−HK$276/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,602/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$9,737
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,998
−HK$265/mo
Today · 4.125%
HK$10,263
baseline
▲ 0.50% · 4.625%
HK$10,804
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,526/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$10,211
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,529
−HK$323/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,512
+HK$660/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,704/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,360
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$309/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,605
+HK$631/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,948/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,129
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$415/mo
Today · 4.125%
HK$13,952
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,904/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,606
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,997
−HK$398/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,206
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$320K (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).