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$5,537
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,709
−HK$175/mo
Today · 4.125%
HK$5,884
baseline
▲ 0.50% · 4.625%
HK$6,242
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,768/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$6,160
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,325
−HK$168/mo
Today · 4.125%
HK$6,493
baseline
▲ 0.50% · 4.625%
HK$6,835
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,986/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$6,644
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$210/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,491
+HK$430/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,122/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$7,392
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$201/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$411/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,582/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$7,752
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,993
−HK$245/mo
Today · 4.125%
HK$8,238
baseline
▲ 0.50% · 4.625%
HK$8,739
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,476/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,624
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$235/mo
Today · 4.125%
HK$9,090
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,180/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,967
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,277
−HK$315/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$644/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,184/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$11,088
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,385
−HK$302/mo
Today · 4.125%
HK$11,687
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,374/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).