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$7,283
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,509
−HK$230/mo
Today · 4.125%
HK$7,739
baseline
▲ 0.50% · 4.625%
HK$8,210
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,478/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$8,102
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,319
−HK$221/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,080/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$8,739
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,011
−HK$276/mo
Today · 4.125%
HK$9,287
baseline
▲ 0.50% · 4.625%
HK$9,852
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,574/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$9,722
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,983
−HK$264/mo
Today · 4.125%
HK$10,247
baseline
▲ 0.50% · 4.625%
HK$10,788
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,494/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$10,196
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$322/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,494
+HK$659/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,670/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$11,343
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$308/mo
Today · 4.125%
HK$11,955
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$631/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$23,910/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$13,109
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,516
−HK$415/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,862/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$14,583
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,974
−HK$397/mo
Today · 4.125%
HK$15,371
baseline
▲ 0.50% · 4.625%
HK$16,181
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,742/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).