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$7,281
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$230/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,208
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,474/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$8,100
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$220/mo
Today · 4.125%
HK$8,537
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,074/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$8,737
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,009
−HK$276/mo
Today · 4.125%
HK$9,285
baseline
▲ 0.50% · 4.625%
HK$9,850
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,570/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$9,720
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$265/mo
Today · 4.125%
HK$10,245
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,490/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$10,193
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$322/mo
Today · 4.125%
HK$10,832
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$659/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,664/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$11,339
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$308/mo
Today · 4.125%
HK$11,952
baseline
▲ 0.50% · 4.625%
HK$12,582
+HK$630/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$23,904/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$13,105
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$414/mo
Today · 4.125%
HK$13,927
baseline
▲ 0.50% · 4.625%
HK$14,774
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,854/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,579
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,970
−HK$397/mo
Today · 4.125%
HK$15,367
baseline
▲ 0.50% · 4.625%
HK$16,177
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,734/mo (50% DSR)
Upfront cash ≈ HK$319K (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).