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$7,284
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$230/mo
Today · 4.125%
HK$7,740
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,480/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$8,103
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$221/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,082/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$8,740
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$276/mo
Today · 4.125%
HK$9,288
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,576/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$9,724
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$265/mo
Today · 4.125%
HK$10,249
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,498/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$10,197
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$323/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$659/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,674/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,344
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$309/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$630/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$23,914/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,111
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,518
−HK$415/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,780
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,866/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$14,585
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,976
−HK$397/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$811/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,746/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).