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$7,312
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,539
−HK$231/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,243
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,540/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$8,134
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,352
−HK$222/mo
Today · 4.125%
HK$8,574
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,148/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$8,774
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,047
−HK$277/mo
Today · 4.125%
HK$9,324
baseline
▲ 0.50% · 4.625%
HK$9,892
+HK$568/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,648/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$9,761
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,023
−HK$265/mo
Today · 4.125%
HK$10,288
baseline
▲ 0.50% · 4.625%
HK$10,831
+HK$543/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,576/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$10,236
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$323/mo
Today · 4.125%
HK$10,878
baseline
▲ 0.50% · 4.625%
HK$11,540
+HK$662/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$21,756/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$11,388
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,693
−HK$310/mo
Today · 4.125%
HK$12,003
baseline
▲ 0.50% · 4.625%
HK$12,636
+HK$633/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$24,006/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$13,161
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,570
−HK$416/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$851/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,972/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$14,642
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,034
−HK$399/mo
Today · 4.125%
HK$15,433
baseline
▲ 0.50% · 4.625%
HK$16,246
+HK$813/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,866/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).