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$7,315
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,543
−HK$231/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,247
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,548/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$8,138
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,356
−HK$222/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,156/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$8,778
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,051
−HK$278/mo
Today · 4.125%
HK$9,329
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,658/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$9,766
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,028
−HK$265/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,836
+HK$543/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,586/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$10,241
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,560
−HK$324/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,546
+HK$662/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$21,768/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$11,393
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,699
−HK$310/mo
Today · 4.125%
HK$12,009
baseline
▲ 0.50% · 4.625%
HK$12,642
+HK$633/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$24,018/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$13,168
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$416/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,986/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$14,649
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$398/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,880/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).