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$5,518
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,689
−HK$175/mo
Today · 4.125%
HK$5,864
baseline
▲ 0.50% · 4.625%
HK$6,220
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,728/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$6,138
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,303
−HK$167/mo
Today · 4.125%
HK$6,470
baseline
▲ 0.50% · 4.625%
HK$6,811
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,940/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$6,621
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,827
−HK$209/mo
Today · 4.125%
HK$7,036
baseline
▲ 0.50% · 4.625%
HK$7,464
+HK$428/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$14,072/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,366
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,563
−HK$201/mo
Today · 4.125%
HK$7,764
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$409/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$15,528/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,725
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,965
−HK$244/mo
Today · 4.125%
HK$8,209
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$499/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,418/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,593
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,824
−HK$234/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,535
+HK$477/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,116/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,932
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$314/mo
Today · 4.125%
HK$10,554
baseline
▲ 0.50% · 4.625%
HK$11,197
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,108/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,049
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,345
−HK$301/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,260
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,292/mo (50% DSR)
Upfront cash ≈ HK$242K (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).