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$7,299
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$231/mo
Today · 4.125%
HK$7,757
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,514/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$438/mo
▼ 0.25% · 3.875%
HK$8,338
−HK$221/mo
Today · 4.125%
HK$8,559
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,118/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$8,759
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,032
−HK$277/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,875
+HK$566/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$526/mo
▼ 0.25% · 3.875%
HK$10,006
−HK$265/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,542/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$10,219
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,537
−HK$323/mo
Today · 4.125%
HK$10,860
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$661/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,720/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,369
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$309/mo
Today · 4.125%
HK$11,983
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$632/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,966/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,139
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,548
−HK$415/mo
Today · 4.125%
HK$13,963
baseline
▲ 0.50% · 4.625%
HK$14,812
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,926/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$14,617
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$398/mo
Today · 4.125%
HK$15,407
baseline
▲ 0.50% · 4.625%
HK$16,219
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,814/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).