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$5,525
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,696
−HK$175/mo
Today · 4.125%
HK$5,871
baseline
▲ 0.50% · 4.625%
HK$6,228
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,742/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$6,146
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,311
−HK$167/mo
Today · 4.125%
HK$6,478
baseline
▲ 0.50% · 4.625%
HK$6,820
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,956/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$6,630
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$209/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$429/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$14,090/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,375
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$201/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,184
+HK$410/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$15,548/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,734
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$244/mo
Today · 4.125%
HK$8,219
baseline
▲ 0.50% · 4.625%
HK$8,720
+HK$501/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,438/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,605
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$234/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,547
+HK$478/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,138/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,944
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$314/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,136/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$11,063
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$301/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,322/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).