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$5,533
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,705
−HK$175/mo
Today · 4.125%
HK$5,880
baseline
▲ 0.50% · 4.625%
HK$6,237
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,760/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,155
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,320
−HK$167/mo
Today · 4.125%
HK$6,487
baseline
▲ 0.50% · 4.625%
HK$6,829
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,974/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,639
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$209/mo
Today · 4.125%
HK$7,055
baseline
▲ 0.50% · 4.625%
HK$7,485
+HK$430/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,110/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,386
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,584
−HK$201/mo
Today · 4.125%
HK$7,785
baseline
▲ 0.50% · 4.625%
HK$8,195
+HK$410/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,570/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,746
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,987
−HK$244/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,732
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,462/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,617
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$234/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,561
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,164/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,959
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,268
−HK$315/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$644/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,166/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,079
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$301/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$616/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,354/mo (50% DSR)
Upfront cash ≈ HK$243K (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).