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$7,295
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,522
−HK$231/mo
Today · 4.125%
HK$7,753
baseline
▲ 0.50% · 4.625%
HK$8,224
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,506/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$8,116
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$221/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,005
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,108/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$8,754
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,026
−HK$277/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,869
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,606/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$9,739
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$265/mo
Today · 4.125%
HK$10,265
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,530/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$10,213
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,531
−HK$323/mo
Today · 4.125%
HK$10,854
baseline
▲ 0.50% · 4.625%
HK$11,514
+HK$660/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,708/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,362
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,667
−HK$309/mo
Today · 4.125%
HK$11,976
baseline
▲ 0.50% · 4.625%
HK$12,607
+HK$631/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,952/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,131
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$415/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,804
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,910/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$14,608
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,000
−HK$398/mo
Today · 4.125%
HK$15,398
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,796/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).