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$5,496
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,667
−HK$174/mo
Today · 4.125%
HK$5,841
baseline
▲ 0.50% · 4.625%
HK$6,196
+HK$355/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,682/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$6,114
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,278
−HK$167/mo
Today · 4.125%
HK$6,445
baseline
▲ 0.50% · 4.625%
HK$6,784
+HK$339/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,890/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$6,595
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,800
−HK$209/mo
Today · 4.125%
HK$7,009
baseline
▲ 0.50% · 4.625%
HK$7,435
+HK$426/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$14,018/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,337
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,534
−HK$199/mo
Today · 4.125%
HK$7,733
baseline
▲ 0.50% · 4.625%
HK$8,141
+HK$408/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$15,466/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,694
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$243/mo
Today · 4.125%
HK$8,177
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$497/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,354/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,560
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$233/mo
Today · 4.125%
HK$9,022
baseline
▲ 0.50% · 4.625%
HK$9,498
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,044/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,893
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,200
−HK$313/mo
Today · 4.125%
HK$10,513
baseline
▲ 0.50% · 4.625%
HK$11,153
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,026/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,006
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$299/mo
Today · 4.125%
HK$11,600
baseline
▲ 0.50% · 4.625%
HK$12,212
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,200/mo (50% DSR)
Upfront cash ≈ HK$241K (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).