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$7,299
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$230/mo
Today · 4.125%
HK$7,756
baseline
▲ 0.50% · 4.625%
HK$8,228
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,512/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$8,120
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$221/mo
Today · 4.125%
HK$8,558
baseline
▲ 0.50% · 4.625%
HK$9,009
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,116/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$8,758
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$277/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,874
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,616/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$9,744
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$265/mo
Today · 4.125%
HK$10,270
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,540/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$10,218
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,536
−HK$323/mo
Today · 4.125%
HK$10,859
baseline
▲ 0.50% · 4.625%
HK$11,520
+HK$661/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,718/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$11,368
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$310/mo
Today · 4.125%
HK$11,982
baseline
▲ 0.50% · 4.625%
HK$12,613
+HK$631/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,964/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$13,138
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,546
−HK$415/mo
Today · 4.125%
HK$13,961
baseline
▲ 0.50% · 4.625%
HK$14,811
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,922/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$14,615
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$398/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,217
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,810/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).