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$7,305
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,532
−HK$231/mo
Today · 4.125%
HK$7,763
baseline
▲ 0.50% · 4.625%
HK$8,235
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,526/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$8,126
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$221/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,017
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,130/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$8,765
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,038
−HK$277/mo
Today · 4.125%
HK$9,315
baseline
▲ 0.50% · 4.625%
HK$9,882
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,630/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$9,751
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$265/mo
Today · 4.125%
HK$10,278
baseline
▲ 0.50% · 4.625%
HK$10,820
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,556/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$10,226
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$324/mo
Today · 4.125%
HK$10,868
baseline
▲ 0.50% · 4.625%
HK$11,529
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,736/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,377
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,682
−HK$309/mo
Today · 4.125%
HK$11,991
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,982/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,148
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,557
−HK$416/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,823
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,946/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$14,627
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,019
−HK$398/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$813/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,834/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).