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$7,305
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$231/mo
Today · 4.125%
HK$7,764
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,528/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$8,127
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$221/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,132/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$8,767
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,039
−HK$277/mo
Today · 4.125%
HK$9,316
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,632/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$9,753
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,014
−HK$266/mo
Today · 4.125%
HK$10,280
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,560/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$10,228
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,546
−HK$323/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,738/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$11,378
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$310/mo
Today · 4.125%
HK$11,993
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,986/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$13,150
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$415/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$851/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,948/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$14,629
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$398/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$813/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,838/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).