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$7,300
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,527
−HK$231/mo
Today · 4.125%
HK$7,758
baseline
▲ 0.50% · 4.625%
HK$8,230
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,516/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$8,121
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,339
−HK$221/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,011
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,120/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$8,760
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$276/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,876
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,618/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$9,745
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,007
−HK$265/mo
Today · 4.125%
HK$10,272
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$541/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,544/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$10,220
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$323/mo
Today · 4.125%
HK$10,861
baseline
▲ 0.50% · 4.625%
HK$11,522
+HK$661/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,722/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$11,370
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,675
−HK$309/mo
Today · 4.125%
HK$11,984
baseline
▲ 0.50% · 4.625%
HK$12,616
+HK$632/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,968/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$13,140
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,549
−HK$415/mo
Today · 4.125%
HK$13,964
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,928/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$14,618
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,010
−HK$398/mo
Today · 4.125%
HK$15,408
baseline
▲ 0.50% · 4.625%
HK$16,220
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,816/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).