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$7,308
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,535
−HK$231/mo
Today · 4.125%
HK$7,766
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,532/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$8,130
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$221/mo
Today · 4.125%
HK$8,569
baseline
▲ 0.50% · 4.625%
HK$9,021
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,138/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$8,769
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,042
−HK$277/mo
Today · 4.125%
HK$9,319
baseline
▲ 0.50% · 4.625%
HK$9,886
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,638/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$9,756
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,017
−HK$266/mo
Today · 4.125%
HK$10,283
baseline
▲ 0.50% · 4.625%
HK$10,825
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,566/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$10,231
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,549
−HK$323/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,534
+HK$662/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,744/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,382
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$310/mo
Today · 4.125%
HK$11,997
baseline
▲ 0.50% · 4.625%
HK$12,629
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,994/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,154
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$416/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,958/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,634
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$398/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,237
+HK$813/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$321K (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).