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$5,528
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,700
−HK$174/mo
Today · 4.125%
HK$5,874
baseline
▲ 0.50% · 4.625%
HK$6,232
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,748/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$6,149
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,314
−HK$168/mo
Today · 4.125%
HK$6,482
baseline
▲ 0.50% · 4.625%
HK$6,823
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,964/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$6,633
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$209/mo
Today · 4.125%
HK$7,049
baseline
▲ 0.50% · 4.625%
HK$7,478
+HK$429/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$14,098/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,379
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$201/mo
Today · 4.125%
HK$7,778
baseline
▲ 0.50% · 4.625%
HK$8,188
+HK$410/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$15,556/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,739
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$245/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,724
+HK$500/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,448/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,609
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,840
−HK$234/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,553
+HK$479/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,148/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,950
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$315/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,217
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,148/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$11,069
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$301/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,334/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).