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$7,282
−HK$457/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$8,101
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,319
−HK$220/mo
Today · 4.125%
HK$8,539
baseline
▲ 0.50% · 4.625%
HK$8,989
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,078/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$9,010
−HK$277/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$9,982
−HK$265/mo
Today · 4.125%
HK$10,247
baseline
▲ 0.50% · 4.625%
HK$10,787
+HK$540/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$10,195
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,512
−HK$322/mo
Today · 4.125%
HK$10,834
baseline
▲ 0.50% · 4.625%
HK$11,494
+HK$660/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,668/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$11,342
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,646
−HK$309/mo
Today · 4.125%
HK$11,955
baseline
▲ 0.50% · 4.625%
HK$12,585
+HK$630/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$13,108
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,516
−HK$414/mo
Today · 4.125%
HK$13,930
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$848/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,860/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$14,582
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,974
−HK$396/mo
Today · 4.125%
HK$15,370
baseline
▲ 0.50% · 4.625%
HK$16,181
+HK$811/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,740/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).