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$5,499
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,670
−HK$174/mo
Today · 4.125%
HK$5,844
baseline
▲ 0.50% · 4.625%
HK$6,199
+HK$355/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,688/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$6,117
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,281
−HK$167/mo
Today · 4.125%
HK$6,448
baseline
▲ 0.50% · 4.625%
HK$6,788
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,896/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$6,598
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$208/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$427/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$14,024/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,341
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,538
−HK$199/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$408/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$15,474/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,698
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$243/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,679
+HK$498/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,362/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,564
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$233/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,054/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,898
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$312/mo
Today · 4.125%
HK$10,518
baseline
▲ 0.50% · 4.625%
HK$11,158
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,036/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,011
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$300/mo
Today · 4.125%
HK$11,606
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,212/mo (50% DSR)
Upfront cash ≈ HK$241K (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).