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$7,312
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,540
−HK$231/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,243
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,542/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$8,135
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,353
−HK$221/mo
Today · 4.125%
HK$8,574
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,148/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$8,774
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,047
−HK$278/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,892
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,650/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$9,762
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,023
−HK$266/mo
Today · 4.125%
HK$10,289
baseline
▲ 0.50% · 4.625%
HK$10,831
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,578/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$10,237
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$324/mo
Today · 4.125%
HK$10,879
baseline
▲ 0.50% · 4.625%
HK$11,541
+HK$662/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$21,758/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$11,388
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$310/mo
Today · 4.125%
HK$12,004
baseline
▲ 0.50% · 4.625%
HK$12,636
+HK$632/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$24,008/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$13,162
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$416/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,838
+HK$851/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,974/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$14,642
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$398/mo
Today · 4.125%
HK$15,433
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,866/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).