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$5,500
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,671
−HK$174/mo
Today · 4.125%
HK$5,845
baseline
▲ 0.50% · 4.625%
HK$6,201
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,690/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$6,119
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,283
−HK$166/mo
Today · 4.125%
HK$6,449
baseline
▲ 0.50% · 4.625%
HK$6,789
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,898/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$6,600
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,805
−HK$209/mo
Today · 4.125%
HK$7,014
baseline
▲ 0.50% · 4.625%
HK$7,441
+HK$427/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$14,028/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$7,343
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,539
−HK$200/mo
Today · 4.125%
HK$7,739
baseline
▲ 0.50% · 4.625%
HK$8,147
+HK$408/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$15,478/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$7,700
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,940
−HK$243/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,681
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,366/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$8,566
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,796
−HK$233/mo
Today · 4.125%
HK$9,029
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,058/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$9,900
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$313/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,042/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$11,014
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$300/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,218/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).