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$5,528
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,700
−HK$175/mo
Today · 4.125%
HK$5,875
baseline
▲ 0.50% · 4.625%
HK$6,232
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,750/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$6,150
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,315
−HK$167/mo
Today · 4.125%
HK$6,482
baseline
▲ 0.50% · 4.625%
HK$6,824
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,964/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$6,634
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$210/mo
Today · 4.125%
HK$7,050
baseline
▲ 0.50% · 4.625%
HK$7,479
+HK$429/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$14,100/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,380
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,578
−HK$201/mo
Today · 4.125%
HK$7,779
baseline
▲ 0.50% · 4.625%
HK$8,189
+HK$410/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$15,558/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,739
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,980
−HK$245/mo
Today · 4.125%
HK$8,225
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$500/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,450/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$8,610
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$234/mo
Today · 4.125%
HK$9,075
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$479/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,150/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$9,951
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$315/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,218
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,150/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$11,070
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$301/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,336/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).