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$5,540
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,713
−HK$175/mo
Today · 4.125%
HK$5,888
baseline
▲ 0.50% · 4.625%
HK$6,246
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,776/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$6,163
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,329
−HK$167/mo
Today · 4.125%
HK$6,496
baseline
▲ 0.50% · 4.625%
HK$6,839
+HK$343/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,992/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$6,648
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,855
−HK$210/mo
Today · 4.125%
HK$7,065
baseline
▲ 0.50% · 4.625%
HK$7,495
+HK$430/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$14,130/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,396
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$202/mo
Today · 4.125%
HK$7,796
baseline
▲ 0.50% · 4.625%
HK$8,207
+HK$411/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$15,592/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,756
−HK$487/mo
▼ 0.25% · 3.875%
HK$7,998
−HK$245/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,744
+HK$501/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,486/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,629
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,860
−HK$235/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$479/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,190/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,972
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,283
−HK$315/mo
Today · 4.125%
HK$10,598
baseline
▲ 0.50% · 4.625%
HK$11,243
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,196/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$11,094
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$302/mo
Today · 4.125%
HK$11,694
baseline
▲ 0.50% · 4.625%
HK$12,310
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,388/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).