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$7,286
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$230/mo
Today · 4.125%
HK$7,743
baseline
▲ 0.50% · 4.625%
HK$8,214
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,486/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$8,323
−HK$221/mo
Today · 4.125%
HK$8,544
baseline
▲ 0.50% · 4.625%
HK$8,994
+HK$450/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$8,743
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$277/mo
Today · 4.125%
HK$9,292
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$565/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$9,727
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$265/mo
Today · 4.125%
HK$10,253
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$540/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$639/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$322/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,680/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$11,348
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$308/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,592
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,922/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$13,115
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$415/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$788/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$397/mo
Today · 4.125%
HK$15,379
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$810/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,758/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).