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$7,302
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,529
−HK$231/mo
Today · 4.125%
HK$7,760
baseline
▲ 0.50% · 4.625%
HK$8,232
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,520/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$8,123
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,341
−HK$221/mo
Today · 4.125%
HK$8,562
baseline
▲ 0.50% · 4.625%
HK$9,013
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,124/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$8,762
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,035
−HK$277/mo
Today · 4.125%
HK$9,312
baseline
▲ 0.50% · 4.625%
HK$9,878
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,624/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$9,748
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$266/mo
Today · 4.125%
HK$10,275
baseline
▲ 0.50% · 4.625%
HK$10,816
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,550/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$10,223
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$323/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,728/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$11,373
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,678
−HK$309/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$632/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,974/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$13,143
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$416/mo
Today · 4.125%
HK$13,968
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,936/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$14,622
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,014
−HK$398/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,824/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).