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$5,527
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,698
−HK$175/mo
Today · 4.125%
HK$5,873
baseline
▲ 0.50% · 4.625%
HK$6,231
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,746/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$6,148
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,313
−HK$167/mo
Today · 4.125%
HK$6,480
baseline
▲ 0.50% · 4.625%
HK$6,822
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,960/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$6,632
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,838
−HK$210/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$429/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$14,096/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$7,378
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,576
−HK$201/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,186
+HK$409/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$15,554/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$7,737
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,978
−HK$244/mo
Today · 4.125%
HK$8,222
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$501/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,444/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$8,608
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,838
−HK$235/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$478/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,146/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$9,948
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$315/mo
Today · 4.125%
HK$10,572
baseline
▲ 0.50% · 4.625%
HK$11,215
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,144/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$11,067
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,364
−HK$301/mo
Today · 4.125%
HK$11,665
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,330/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).