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$5,514
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,685
−HK$174/mo
Today · 4.125%
HK$5,859
baseline
▲ 0.50% · 4.625%
HK$6,216
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,718/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$6,134
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,298
−HK$167/mo
Today · 4.125%
HK$6,465
baseline
▲ 0.50% · 4.625%
HK$6,806
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,930/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$6,616
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$209/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,459
+HK$428/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$14,062/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$7,361
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,558
−HK$200/mo
Today · 4.125%
HK$7,758
baseline
▲ 0.50% · 4.625%
HK$8,167
+HK$409/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$15,516/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$7,719
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,959
−HK$244/mo
Today · 4.125%
HK$8,203
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$499/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,406/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$8,587
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$233/mo
Today · 4.125%
HK$9,051
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,102/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$9,924
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$314/mo
Today · 4.125%
HK$10,547
baseline
▲ 0.50% · 4.625%
HK$11,189
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,094/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$11,041
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,337
−HK$300/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,251
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,274/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).