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$5,539
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,712
−HK$175/mo
Today · 4.125%
HK$5,887
baseline
▲ 0.50% · 4.625%
HK$6,245
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,774/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$6,162
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,328
−HK$167/mo
Today · 4.125%
HK$6,495
baseline
▲ 0.50% · 4.625%
HK$6,838
+HK$343/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,990/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$6,647
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,854
−HK$210/mo
Today · 4.125%
HK$7,064
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$430/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$14,128/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,395
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$201/mo
Today · 4.125%
HK$7,794
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$411/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$15,588/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,755
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,996
−HK$245/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$502/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,482/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,627
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$234/mo
Today · 4.125%
HK$9,093
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$480/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,186/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,971
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,281
−HK$315/mo
Today · 4.125%
HK$10,596
baseline
▲ 0.50% · 4.625%
HK$11,241
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,192/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,092
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,390
−HK$302/mo
Today · 4.125%
HK$11,692
baseline
▲ 0.50% · 4.625%
HK$12,308
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,384/mo (50% DSR)
Upfront cash ≈ HK$243K (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).