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$5,534
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,706
−HK$175/mo
Today · 4.125%
HK$5,881
baseline
▲ 0.50% · 4.625%
HK$6,239
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,762/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$6,156
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,321
−HK$168/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,831
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,978/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$6,641
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,847
−HK$210/mo
Today · 4.125%
HK$7,057
baseline
▲ 0.50% · 4.625%
HK$7,486
+HK$429/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,114/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$7,388
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$201/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$410/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,574/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$7,747
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,988
−HK$245/mo
Today · 4.125%
HK$8,233
baseline
▲ 0.50% · 4.625%
HK$8,734
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,466/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$8,619
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$234/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,563
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,168/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$9,961
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$314/mo
Today · 4.125%
HK$10,585
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$645/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,170/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$11,081
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$301/mo
Today · 4.125%
HK$11,680
baseline
▲ 0.50% · 4.625%
HK$12,296
+HK$616/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,360/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).