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$7,292
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$231/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,220
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,498/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$8,112
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$221/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,100/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$8,750
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,022
−HK$277/mo
Today · 4.125%
HK$9,299
baseline
▲ 0.50% · 4.625%
HK$9,864
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,598/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$9,734
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,995
−HK$265/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,801
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,520/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$10,208
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$322/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,508
+HK$660/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,696/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$11,357
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$309/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,601
+HK$631/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,940/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$13,125
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$415/mo
Today · 4.125%
HK$13,948
baseline
▲ 0.50% · 4.625%
HK$14,797
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,896/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$14,601
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,993
−HK$397/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,201
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,780/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).