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$346/mo
▼ 0.25% · 3.875%
HK$5,682
−HK$174/mo
Today · 4.125%
HK$5,856
baseline
▲ 0.50% · 4.625%
HK$6,212
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,712/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$332/mo
▼ 0.25% · 3.875%
HK$6,295
−HK$167/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,802
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,924/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$6,613
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,818
−HK$209/mo
Today · 4.125%
HK$7,027
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$428/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$14,054/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$398/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$200/mo
Today · 4.125%
HK$7,754
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$409/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$15,508/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$7,715
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,955
−HK$243/mo
Today · 4.125%
HK$8,198
baseline
▲ 0.50% · 4.625%
HK$8,697
+HK$499/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$464/mo
▼ 0.25% · 3.875%
HK$8,813
−HK$233/mo
Today · 4.125%
HK$9,046
baseline
▲ 0.50% · 4.625%
HK$9,523
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,092/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$9,919
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$314/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$641/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$21,082/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$11,035
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$300/mo
Today · 4.125%
HK$11,631
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$613/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$23,262/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).