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$5,516
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,687
−HK$175/mo
Today · 4.125%
HK$5,862
baseline
▲ 0.50% · 4.625%
HK$6,218
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,724/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$6,136
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,301
−HK$167/mo
Today · 4.125%
HK$6,468
baseline
▲ 0.50% · 4.625%
HK$6,809
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,936/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$6,619
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,825
−HK$209/mo
Today · 4.125%
HK$7,034
baseline
▲ 0.50% · 4.625%
HK$7,462
+HK$428/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$14,068/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$7,364
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,561
−HK$200/mo
Today · 4.125%
HK$7,761
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$409/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$15,522/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$7,722
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,962
−HK$244/mo
Today · 4.125%
HK$8,206
baseline
▲ 0.50% · 4.625%
HK$8,706
+HK$500/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,412/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$8,591
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,821
−HK$234/mo
Today · 4.125%
HK$9,055
baseline
▲ 0.50% · 4.625%
HK$9,532
+HK$477/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,110/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$9,928
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$314/mo
Today · 4.125%
HK$10,551
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,102/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$11,045
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$300/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,284/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).