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$5,536
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$175/mo
Today · 4.125%
HK$5,883
baseline
▲ 0.50% · 4.625%
HK$6,241
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,766/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$6,158
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,324
−HK$167/mo
Today · 4.125%
HK$6,491
baseline
▲ 0.50% · 4.625%
HK$6,833
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,982/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$6,643
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$209/mo
Today · 4.125%
HK$7,059
baseline
▲ 0.50% · 4.625%
HK$7,489
+HK$430/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,118/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$7,390
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$201/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$411/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,578/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$7,750
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,991
−HK$245/mo
Today · 4.125%
HK$8,236
baseline
▲ 0.50% · 4.625%
HK$8,737
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,472/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,622
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,853
−HK$235/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,176/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,964
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,274
−HK$315/mo
Today · 4.125%
HK$10,589
baseline
▲ 0.50% · 4.625%
HK$11,234
+HK$645/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,178/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$11,085
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$301/mo
Today · 4.125%
HK$11,684
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$616/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,368/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).