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$7,292
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,519
−HK$230/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,498/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$8,112
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,330
−HK$221/mo
Today · 4.125%
HK$8,551
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,102/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$8,751
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,023
−HK$276/mo
Today · 4.125%
HK$9,299
baseline
▲ 0.50% · 4.625%
HK$9,865
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,598/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$9,735
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,996
−HK$265/mo
Today · 4.125%
HK$10,261
baseline
▲ 0.50% · 4.625%
HK$10,802
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,522/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$10,209
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,527
−HK$322/mo
Today · 4.125%
HK$10,849
baseline
▲ 0.50% · 4.625%
HK$11,509
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,698/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,357
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,662
−HK$309/mo
Today · 4.125%
HK$11,971
baseline
▲ 0.50% · 4.625%
HK$12,602
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,942/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,534
−HK$415/mo
Today · 4.125%
HK$13,949
baseline
▲ 0.50% · 4.625%
HK$14,798
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,898/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$14,602
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,994
−HK$397/mo
Today · 4.125%
HK$15,391
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,782/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).