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$7,288
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,515
−HK$230/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,216
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,490/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$8,108
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$221/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,092/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$8,746
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,018
−HK$276/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,860
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,588/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$9,730
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,991
−HK$264/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,796
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,510/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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,521
−HK$322/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,686/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$11,351
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,656
−HK$308/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,928/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$13,119
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$414/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,882/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$14,594
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$397/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,766/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).