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$5,516
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,688
−HK$174/mo
Today · 4.125%
HK$5,862
baseline
▲ 0.50% · 4.625%
HK$6,219
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,724/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$6,137
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,302
−HK$167/mo
Today · 4.125%
HK$6,469
baseline
▲ 0.50% · 4.625%
HK$6,810
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,938/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$6,620
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,826
−HK$209/mo
Today · 4.125%
HK$7,035
baseline
▲ 0.50% · 4.625%
HK$7,463
+HK$428/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$14,070/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$7,364
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,562
−HK$200/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,171
+HK$409/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$15,524/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$7,723
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$244/mo
Today · 4.125%
HK$8,207
baseline
▲ 0.50% · 4.625%
HK$8,707
+HK$500/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,414/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$8,592
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$234/mo
Today · 4.125%
HK$9,056
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$477/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,112/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$9,930
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$314/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,104/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$11,047
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$300/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,286/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).