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$7,313
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,541
−HK$231/mo
Today · 4.125%
HK$7,772
baseline
▲ 0.50% · 4.625%
HK$8,245
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,544/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$8,136
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,354
−HK$222/mo
Today · 4.125%
HK$8,576
baseline
▲ 0.50% · 4.625%
HK$9,028
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,152/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$8,776
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$277/mo
Today · 4.125%
HK$9,326
baseline
▲ 0.50% · 4.625%
HK$9,894
+HK$568/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,652/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$9,763
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$266/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,582/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$10,239
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,557
−HK$324/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$662/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$21,762/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$11,391
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$310/mo
Today · 4.125%
HK$12,006
baseline
▲ 0.50% · 4.625%
HK$12,639
+HK$633/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$24,012/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$13,164
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$416/mo
Today · 4.125%
HK$13,990
baseline
▲ 0.50% · 4.625%
HK$14,841
+HK$851/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,980/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$14,645
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,038
−HK$398/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,250
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,872/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).