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$7,287
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$231/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,215
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,488/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$8,106
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$220/mo
Today · 4.125%
HK$8,544
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,088/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$8,744
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$276/mo
Today · 4.125%
HK$9,292
baseline
▲ 0.50% · 4.625%
HK$9,858
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,584/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$9,728
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$265/mo
Today · 4.125%
HK$10,253
baseline
▲ 0.50% · 4.625%
HK$10,794
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,506/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$10,201
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$322/mo
Today · 4.125%
HK$10,841
baseline
▲ 0.50% · 4.625%
HK$11,501
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,682/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,349
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$309/mo
Today · 4.125%
HK$11,962
baseline
▲ 0.50% · 4.625%
HK$12,592
+HK$630/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,924/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,116
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$414/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$848/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,876/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$14,591
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$397/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$810/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,760/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).