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$5,503
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,675
−HK$174/mo
Today · 4.125%
HK$5,849
baseline
▲ 0.50% · 4.625%
HK$6,204
+HK$355/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,698/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$6,123
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,287
−HK$166/mo
Today · 4.125%
HK$6,453
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,906/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$6,604
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$208/mo
Today · 4.125%
HK$7,018
baseline
▲ 0.50% · 4.625%
HK$7,445
+HK$427/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$14,036/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$7,347
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$200/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$408/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$15,488/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$7,705
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$243/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,686
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,376/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,572
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,801
−HK$234/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,511
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,070/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,906
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$313/mo
Today · 4.125%
HK$10,527
baseline
▲ 0.50% · 4.625%
HK$11,168
+HK$641/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,054/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,021
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$300/mo
Today · 4.125%
HK$11,616
baseline
▲ 0.50% · 4.625%
HK$12,228
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,232/mo (50% DSR)
Upfront cash ≈ HK$241K (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).