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$7,319
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,546
−HK$232/mo
Today · 4.125%
HK$7,778
baseline
▲ 0.50% · 4.625%
HK$8,251
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,556/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$8,142
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$222/mo
Today · 4.125%
HK$8,582
baseline
▲ 0.50% · 4.625%
HK$9,034
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,164/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$8,782
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,056
−HK$277/mo
Today · 4.125%
HK$9,333
baseline
▲ 0.50% · 4.625%
HK$9,901
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,666/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$9,770
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$266/mo
Today · 4.125%
HK$10,298
baseline
▲ 0.50% · 4.625%
HK$10,841
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,596/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$10,246
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$324/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$662/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,778/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,399
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,704
−HK$311/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$633/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,030/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,174
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$417/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,000/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$14,656
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$398/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,262
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,894/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).