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$5,508
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,679
−HK$174/mo
Today · 4.125%
HK$5,853
baseline
▲ 0.50% · 4.625%
HK$6,210
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,706/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$6,128
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,292
−HK$167/mo
Today · 4.125%
HK$6,459
baseline
▲ 0.50% · 4.625%
HK$6,799
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,918/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$6,610
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,815
−HK$209/mo
Today · 4.125%
HK$7,024
baseline
▲ 0.50% · 4.625%
HK$7,451
+HK$427/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$14,048/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,353
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$200/mo
Today · 4.125%
HK$7,750
baseline
▲ 0.50% · 4.625%
HK$8,159
+HK$409/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$15,500/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,711
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,951
−HK$244/mo
Today · 4.125%
HK$8,195
baseline
▲ 0.50% · 4.625%
HK$8,693
+HK$498/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,390/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,579
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$233/mo
Today · 4.125%
HK$9,042
baseline
▲ 0.50% · 4.625%
HK$9,519
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,084/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,914
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,223
−HK$313/mo
Today · 4.125%
HK$10,536
baseline
▲ 0.50% · 4.625%
HK$11,177
+HK$641/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$21,072/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$11,030
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$301/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,238
+HK$612/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$23,252/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).