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$7,291
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$230/mo
Today · 4.125%
HK$7,748
baseline
▲ 0.50% · 4.625%
HK$8,219
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,496/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$8,111
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$221/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$9,000
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,098/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$8,749
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,021
−HK$277/mo
Today · 4.125%
HK$9,298
baseline
▲ 0.50% · 4.625%
HK$9,863
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,596/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$9,733
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,994
−HK$265/mo
Today · 4.125%
HK$10,259
baseline
▲ 0.50% · 4.625%
HK$10,800
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,518/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$10,207
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,525
−HK$322/mo
Today · 4.125%
HK$10,847
baseline
▲ 0.50% · 4.625%
HK$11,507
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,694/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$11,355
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,660
−HK$309/mo
Today · 4.125%
HK$11,969
baseline
▲ 0.50% · 4.625%
HK$12,600
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,938/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$13,123
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,532
−HK$414/mo
Today · 4.125%
HK$13,946
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,892/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$14,600
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,991
−HK$398/mo
Today · 4.125%
HK$15,389
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,778/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).