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$7,295
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$231/mo
Today · 4.125%
HK$7,752
baseline
▲ 0.50% · 4.625%
HK$8,224
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,504/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$8,115
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$221/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,004
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,108/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$8,753
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,026
−HK$276/mo
Today · 4.125%
HK$9,302
baseline
▲ 0.50% · 4.625%
HK$9,868
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,604/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$9,738
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,999
−HK$265/mo
Today · 4.125%
HK$10,264
baseline
▲ 0.50% · 4.625%
HK$10,805
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,528/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$10,212
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$323/mo
Today · 4.125%
HK$10,853
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$660/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,706/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,361
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,666
−HK$309/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,606
+HK$631/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,950/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,130
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,539
−HK$415/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,803
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,908/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$14,607
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,999
−HK$397/mo
Today · 4.125%
HK$15,396
baseline
▲ 0.50% · 4.625%
HK$16,208
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,792/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).