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$5,539
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,711
−HK$175/mo
Today · 4.125%
HK$5,886
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,772/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$6,162
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$168/mo
Today · 4.125%
HK$6,495
baseline
▲ 0.50% · 4.625%
HK$6,837
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,990/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$6,646
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$210/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,493
+HK$430/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$14,126/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,394
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$201/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$411/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$15,586/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,754
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$245/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$502/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,480/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$8,626
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,858
−HK$234/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,572
+HK$480/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,184/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$9,969
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$315/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$644/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,190/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$11,091
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$302/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,306
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,380/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).