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$7,303
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,530
−HK$231/mo
Today · 4.125%
HK$7,761
baseline
▲ 0.50% · 4.625%
HK$8,233
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,522/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$8,124
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$221/mo
Today · 4.125%
HK$8,563
baseline
▲ 0.50% · 4.625%
HK$9,015
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,126/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$8,763
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,036
−HK$277/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,880
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,626/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$9,749
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,011
−HK$265/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,817
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,552/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$10,224
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$323/mo
Today · 4.125%
HK$10,865
baseline
▲ 0.50% · 4.625%
HK$11,526
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,730/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,374
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$309/mo
Today · 4.125%
HK$11,988
baseline
▲ 0.50% · 4.625%
HK$12,620
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,976/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,145
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$415/mo
Today · 4.125%
HK$13,969
baseline
▲ 0.50% · 4.625%
HK$14,819
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,938/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$14,624
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,016
−HK$398/mo
Today · 4.125%
HK$15,414
baseline
▲ 0.50% · 4.625%
HK$16,226
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,828/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).