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$7,301
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,528
−HK$231/mo
Today · 4.125%
HK$7,759
baseline
▲ 0.50% · 4.625%
HK$8,231
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,518/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$8,122
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,340
−HK$221/mo
Today · 4.125%
HK$8,561
baseline
▲ 0.50% · 4.625%
HK$9,012
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,122/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$8,761
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$277/mo
Today · 4.125%
HK$9,310
baseline
▲ 0.50% · 4.625%
HK$9,877
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,620/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$9,746
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$265/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,814
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,546/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$10,221
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,539
−HK$323/mo
Today · 4.125%
HK$10,862
baseline
▲ 0.50% · 4.625%
HK$11,523
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,724/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$11,371
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,676
−HK$309/mo
Today · 4.125%
HK$11,985
baseline
▲ 0.50% · 4.625%
HK$12,617
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,970/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$13,141
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$415/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,930/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$14,620
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$397/mo
Today · 4.125%
HK$15,409
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$813/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,818/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).