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$7,316
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$231/mo
Today · 4.125%
HK$7,775
baseline
▲ 0.50% · 4.625%
HK$8,248
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,550/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$8,140
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$221/mo
Today · 4.125%
HK$8,579
baseline
▲ 0.50% · 4.625%
HK$9,031
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,158/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$8,780
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$277/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,898
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,660/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$9,767
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,029
−HK$266/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,590/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$10,243
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$323/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$663/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,770/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,395
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,701
−HK$310/mo
Today · 4.125%
HK$12,011
baseline
▲ 0.50% · 4.625%
HK$12,644
+HK$633/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,022/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,170
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$417/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$851/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,992/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$14,651
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$399/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,886/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).