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$7,281
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$231/mo
Today · 4.125%
HK$7,738
baseline
▲ 0.50% · 4.625%
HK$8,208
+HK$470/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,476/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$8,100
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$221/mo
Today · 4.125%
HK$8,538
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,076/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$8,737
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,009
−HK$276/mo
Today · 4.125%
HK$9,285
baseline
▲ 0.50% · 4.625%
HK$9,850
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,570/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$9,720
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,981
−HK$264/mo
Today · 4.125%
HK$10,245
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,490/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$10,193
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$323/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,492
+HK$659/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,666/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,340
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$309/mo
Today · 4.125%
HK$11,953
baseline
▲ 0.50% · 4.625%
HK$12,583
+HK$630/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$23,906/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,106
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$415/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,856/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,580
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$397/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$319K (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).