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$7,277
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$230/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$470/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,468/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$8,096
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,313
−HK$220/mo
Today · 4.125%
HK$8,533
baseline
▲ 0.50% · 4.625%
HK$8,983
+HK$450/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,066/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$8,733
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$276/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,845
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,562/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$9,715
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$264/mo
Today · 4.125%
HK$10,240
baseline
▲ 0.50% · 4.625%
HK$10,780
+HK$540/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,480/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$10,188
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$322/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,486
+HK$659/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,654/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,334
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,638
−HK$309/mo
Today · 4.125%
HK$11,947
baseline
▲ 0.50% · 4.625%
HK$12,577
+HK$630/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,894/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,099
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$414/mo
Today · 4.125%
HK$13,921
baseline
▲ 0.50% · 4.625%
HK$14,768
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,842/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$14,573
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,964
−HK$396/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$810/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,720/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).