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$5,523
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,695
−HK$175/mo
Today · 4.125%
HK$5,870
baseline
▲ 0.50% · 4.625%
HK$6,227
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,740/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$6,145
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$168/mo
Today · 4.125%
HK$6,477
baseline
▲ 0.50% · 4.625%
HK$6,818
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,954/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$6,628
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,834
−HK$210/mo
Today · 4.125%
HK$7,044
baseline
▲ 0.50% · 4.625%
HK$7,472
+HK$428/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$14,088/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,374
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,571
−HK$201/mo
Today · 4.125%
HK$7,772
baseline
▲ 0.50% · 4.625%
HK$8,182
+HK$410/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$15,544/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,733
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,973
−HK$245/mo
Today · 4.125%
HK$8,218
baseline
▲ 0.50% · 4.625%
HK$8,718
+HK$500/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,436/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,602
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,833
−HK$234/mo
Today · 4.125%
HK$9,067
baseline
▲ 0.50% · 4.625%
HK$9,545
+HK$478/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,134/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,942
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,251
−HK$314/mo
Today · 4.125%
HK$10,565
baseline
▲ 0.50% · 4.625%
HK$11,208
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,130/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$11,060
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,357
−HK$301/mo
Today · 4.125%
HK$11,658
baseline
▲ 0.50% · 4.625%
HK$12,272
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,316/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).