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$7,297
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,524
−HK$231/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,227
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,510/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$8,118
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,336
−HK$221/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,008
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,114/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$8,757
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$277/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,872
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,612/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$9,742
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$265/mo
Today · 4.125%
HK$10,268
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,536/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$10,216
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$323/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$660/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,714/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$11,365
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$309/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$632/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,958/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$13,135
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$416/mo
Today · 4.125%
HK$13,959
baseline
▲ 0.50% · 4.625%
HK$14,808
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,918/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$14,612
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$398/mo
Today · 4.125%
HK$15,402
baseline
▲ 0.50% · 4.625%
HK$16,214
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,804/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).