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$5,536
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$175/mo
Today · 4.125%
HK$5,883
baseline
▲ 0.50% · 4.625%
HK$6,241
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,766/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$6,159
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,324
−HK$168/mo
Today · 4.125%
HK$6,492
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,984/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$6,643
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$210/mo
Today · 4.125%
HK$7,060
baseline
▲ 0.50% · 4.625%
HK$7,490
+HK$430/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,120/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,391
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,589
−HK$201/mo
Today · 4.125%
HK$7,790
baseline
▲ 0.50% · 4.625%
HK$8,201
+HK$411/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,580/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,751
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,992
−HK$245/mo
Today · 4.125%
HK$8,237
baseline
▲ 0.50% · 4.625%
HK$8,738
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,474/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,623
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$234/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,568
+HK$480/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,176/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,965
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,275
−HK$315/mo
Today · 4.125%
HK$10,590
baseline
▲ 0.50% · 4.625%
HK$11,235
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,180/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$11,086
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$301/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,301
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,370/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).