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$7,274
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,501
−HK$230/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,201
+HK$470/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,462/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$8,093
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,310
−HK$220/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,060/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$8,729
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$276/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,554/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$9,711
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$264/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$540/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,472/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$10,184
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$322/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,481
+HK$658/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,646/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,330
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$308/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,571
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,884/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,094
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$414/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,762
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,830/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$396/mo
Today · 4.125%
HK$15,354
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,708/mo (50% DSR)
Upfront cash ≈ HK$319K (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).