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$7,310
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,538
−HK$231/mo
Today · 4.125%
HK$7,769
baseline
▲ 0.50% · 4.625%
HK$8,241
+HK$472/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$8,772
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,045
−HK$277/mo
Today · 4.125%
HK$9,322
baseline
▲ 0.50% · 4.625%
HK$9,890
+HK$568/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,644/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$9,759
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,021
−HK$265/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,829
+HK$543/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,572/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$10,234
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$323/mo
Today · 4.125%
HK$10,876
baseline
▲ 0.50% · 4.625%
HK$11,538
+HK$662/mo
Deposit HK$962K · loan HK$2.24M · min. income ≈ HK$21,752/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$11,691
−HK$310/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$632/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$13,158
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,568
−HK$416/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$14,639
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,031
−HK$399/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,243
+HK$813/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).