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$5,510
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,681
−HK$174/mo
Today · 4.125%
HK$5,855
baseline
▲ 0.50% · 4.625%
HK$6,212
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,710/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$6,130
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,294
−HK$167/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,801
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,922/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$6,612
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,817
−HK$209/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,454
+HK$428/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$14,052/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,356
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,553
−HK$200/mo
Today · 4.125%
HK$7,753
baseline
▲ 0.50% · 4.625%
HK$8,162
+HK$409/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$15,506/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,714
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,954
−HK$244/mo
Today · 4.125%
HK$8,198
baseline
▲ 0.50% · 4.625%
HK$8,696
+HK$498/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,396/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$8,582
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,812
−HK$233/mo
Today · 4.125%
HK$9,045
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,090/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$9,918
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$314/mo
Today · 4.125%
HK$10,540
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$641/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$21,080/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$11,033
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$300/mo
Today · 4.125%
HK$11,629
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$613/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$23,258/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).