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$5,508
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,679
−HK$174/mo
Today · 4.125%
HK$5,853
baseline
▲ 0.50% · 4.625%
HK$6,209
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,706/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$6,127
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,291
−HK$167/mo
Today · 4.125%
HK$6,458
baseline
▲ 0.50% · 4.625%
HK$6,799
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,916/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$6,609
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,815
−HK$208/mo
Today · 4.125%
HK$7,023
baseline
▲ 0.50% · 4.625%
HK$7,451
+HK$428/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$14,046/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$7,352
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$200/mo
Today · 4.125%
HK$7,750
baseline
▲ 0.50% · 4.625%
HK$8,158
+HK$408/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$15,500/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$7,711
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,950
−HK$244/mo
Today · 4.125%
HK$8,194
baseline
▲ 0.50% · 4.625%
HK$8,693
+HK$499/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,388/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,578
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,808
−HK$233/mo
Today · 4.125%
HK$9,041
baseline
▲ 0.50% · 4.625%
HK$9,518
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,082/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,914
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$313/mo
Today · 4.125%
HK$10,535
baseline
▲ 0.50% · 4.625%
HK$11,176
+HK$641/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$21,070/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$11,029
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$300/mo
Today · 4.125%
HK$11,625
baseline
▲ 0.50% · 4.625%
HK$12,237
+HK$612/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$23,250/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).