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$7,314
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,542
−HK$231/mo
Today · 4.125%
HK$7,773
baseline
▲ 0.50% · 4.625%
HK$8,246
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,546/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$8,137
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$222/mo
Today · 4.125%
HK$8,577
baseline
▲ 0.50% · 4.625%
HK$9,029
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,154/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$8,777
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,050
−HK$278/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,895
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,656/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$9,765
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,026
−HK$266/mo
Today · 4.125%
HK$10,292
baseline
▲ 0.50% · 4.625%
HK$10,835
+HK$543/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,584/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$10,240
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$323/mo
Today · 4.125%
HK$10,882
baseline
▲ 0.50% · 4.625%
HK$11,544
+HK$662/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$21,764/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,392
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$310/mo
Today · 4.125%
HK$12,008
baseline
▲ 0.50% · 4.625%
HK$12,640
+HK$632/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$24,016/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,166
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$416/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,843
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,982/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$14,647
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,040
−HK$398/mo
Today · 4.125%
HK$15,438
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,876/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).