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$6,131
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,322
−HK$194/mo
Today · 4.125%
HK$6,516
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,032/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,821
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,004
−HK$186/mo
Today · 4.125%
HK$7,190
baseline
▲ 0.50% · 4.625%
HK$7,569
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,380/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,358
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$232/mo
Today · 4.125%
HK$7,819
baseline
▲ 0.50% · 4.625%
HK$8,295
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,638/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,185
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,405
−HK$223/mo
Today · 4.125%
HK$8,628
baseline
▲ 0.50% · 4.625%
HK$9,082
+HK$454/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,256/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,584
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$271/mo
Today · 4.125%
HK$9,122
baseline
▲ 0.50% · 4.625%
HK$9,677
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,244/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,550
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,806
−HK$259/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,596
+HK$531/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,130/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,036
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,380
−HK$349/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,458/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,278
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$334/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$269K (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).