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$5,509
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,680
−HK$174/mo
Today · 4.125%
HK$5,854
baseline
▲ 0.50% · 4.625%
HK$6,210
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,708/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$6,128
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,293
−HK$166/mo
Today · 4.125%
HK$6,459
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,918/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$6,610
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,816
−HK$209/mo
Today · 4.125%
HK$7,025
baseline
▲ 0.50% · 4.625%
HK$7,452
+HK$427/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$14,050/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,354
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,551
−HK$200/mo
Today · 4.125%
HK$7,751
baseline
▲ 0.50% · 4.625%
HK$8,160
+HK$409/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$15,502/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,712
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,952
−HK$244/mo
Today · 4.125%
HK$8,196
baseline
▲ 0.50% · 4.625%
HK$8,694
+HK$498/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,392/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$8,580
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$233/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,520
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,086/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$9,916
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$313/mo
Today · 4.125%
HK$10,537
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$642/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$21,074/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$11,031
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$300/mo
Today · 4.125%
HK$11,627
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$613/mo
Deposit HK$242K · loan HK$2.17M · min. income ≈ HK$23,254/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).