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$5,506
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,677
−HK$174/mo
Today · 4.125%
HK$5,851
baseline
▲ 0.50% · 4.625%
HK$6,207
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,702/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$6,125
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$166/mo
Today · 4.125%
HK$6,456
baseline
▲ 0.50% · 4.625%
HK$6,797
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,912/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$6,607
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,813
−HK$208/mo
Today · 4.125%
HK$7,021
baseline
▲ 0.50% · 4.625%
HK$7,449
+HK$428/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$14,042/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$7,350
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,547
−HK$200/mo
Today · 4.125%
HK$7,747
baseline
▲ 0.50% · 4.625%
HK$8,156
+HK$409/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$15,494/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$7,708
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,948
−HK$244/mo
Today · 4.125%
HK$8,192
baseline
▲ 0.50% · 4.625%
HK$8,690
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,384/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$8,575
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$234/mo
Today · 4.125%
HK$9,039
baseline
▲ 0.50% · 4.625%
HK$9,515
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,078/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$9,911
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,219
−HK$313/mo
Today · 4.125%
HK$10,532
baseline
▲ 0.50% · 4.625%
HK$11,173
+HK$641/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,064/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$11,026
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,321
−HK$300/mo
Today · 4.125%
HK$11,621
baseline
▲ 0.50% · 4.625%
HK$12,234
+HK$613/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,242/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).