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$7,311
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,538
−HK$231/mo
Today · 4.125%
HK$7,769
baseline
▲ 0.50% · 4.625%
HK$8,242
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,538/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$8,133
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,351
−HK$221/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,024
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,144/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$8,773
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,046
−HK$277/mo
Today · 4.125%
HK$9,323
baseline
▲ 0.50% · 4.625%
HK$9,890
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,646/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$9,760
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,021
−HK$266/mo
Today · 4.125%
HK$10,287
baseline
▲ 0.50% · 4.625%
HK$10,829
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,574/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$10,235
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$324/mo
Today · 4.125%
HK$10,877
baseline
▲ 0.50% · 4.625%
HK$11,539
+HK$662/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$21,754/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$11,386
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,692
−HK$309/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,634
+HK$633/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$24,002/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$13,159
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$415/mo
Today · 4.125%
HK$13,984
baseline
▲ 0.50% · 4.625%
HK$14,835
+HK$851/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,968/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$14,640
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,032
−HK$398/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,860/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).