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$5,513
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,684
−HK$174/mo
Today · 4.125%
HK$5,858
baseline
▲ 0.50% · 4.625%
HK$6,215
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,716/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$6,133
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,297
−HK$167/mo
Today · 4.125%
HK$6,464
baseline
▲ 0.50% · 4.625%
HK$6,805
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,928/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$6,615
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,821
−HK$209/mo
Today · 4.125%
HK$7,030
baseline
▲ 0.50% · 4.625%
HK$7,458
+HK$428/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$14,060/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$7,359
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$200/mo
Today · 4.125%
HK$7,757
baseline
▲ 0.50% · 4.625%
HK$8,166
+HK$409/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$15,514/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$7,718
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$244/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$499/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,404/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$8,586
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$234/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,100/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$9,923
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,232
−HK$313/mo
Today · 4.125%
HK$10,545
baseline
▲ 0.50% · 4.625%
HK$11,187
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,090/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$11,039
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,335
−HK$301/mo
Today · 4.125%
HK$11,636
baseline
▲ 0.50% · 4.625%
HK$12,249
+HK$613/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,272/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).