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$7,301
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,529
−HK$230/mo
Today · 4.125%
HK$7,759
baseline
▲ 0.50% · 4.625%
HK$8,231
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,518/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$8,123
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,341
−HK$221/mo
Today · 4.125%
HK$8,562
baseline
▲ 0.50% · 4.625%
HK$9,013
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,124/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$8,762
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,034
−HK$277/mo
Today · 4.125%
HK$9,311
baseline
▲ 0.50% · 4.625%
HK$9,878
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,622/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$9,747
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$265/mo
Today · 4.125%
HK$10,274
baseline
▲ 0.50% · 4.625%
HK$10,815
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,548/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$10,222
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,540
−HK$323/mo
Today · 4.125%
HK$10,863
baseline
▲ 0.50% · 4.625%
HK$11,524
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,726/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,372
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$309/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,618
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,972/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,143
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,551
−HK$416/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,934/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$14,621
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,013
−HK$398/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,223
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,822/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).