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$7,289
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,516
−HK$230/mo
Today · 4.125%
HK$7,746
baseline
▲ 0.50% · 4.625%
HK$8,218
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,492/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$8,109
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$220/mo
Today · 4.125%
HK$8,547
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,094/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$8,747
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,019
−HK$277/mo
Today · 4.125%
HK$9,296
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,592/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$9,731
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$265/mo
Today · 4.125%
HK$10,257
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,514/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$10,205
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$322/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,505
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,690/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,353
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$308/mo
Today · 4.125%
HK$11,966
baseline
▲ 0.50% · 4.625%
HK$12,597
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,932/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,121
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$415/mo
Today · 4.125%
HK$13,944
baseline
▲ 0.50% · 4.625%
HK$14,792
+HK$848/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,888/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$14,597
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$397/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,196
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,770/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).