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$5,520
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,691
−HK$175/mo
Today · 4.125%
HK$5,866
baseline
▲ 0.50% · 4.625%
HK$6,223
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,732/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$6,141
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,305
−HK$167/mo
Today · 4.125%
HK$6,472
baseline
▲ 0.50% · 4.625%
HK$6,814
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,944/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$6,624
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$209/mo
Today · 4.125%
HK$7,039
baseline
▲ 0.50% · 4.625%
HK$7,467
+HK$428/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$14,078/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,369
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$201/mo
Today · 4.125%
HK$7,767
baseline
▲ 0.50% · 4.625%
HK$8,176
+HK$409/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$15,534/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,728
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,968
−HK$244/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,712
+HK$500/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,424/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,597
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,828
−HK$233/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,539
+HK$478/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,122/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,936
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,245
−HK$314/mo
Today · 4.125%
HK$10,559
baseline
▲ 0.50% · 4.625%
HK$11,201
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,118/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$11,053
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$300/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,265
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,300/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).