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$5,519
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,691
−HK$174/mo
Today · 4.125%
HK$5,865
baseline
▲ 0.50% · 4.625%
HK$6,222
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,730/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$6,140
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,305
−HK$167/mo
Today · 4.125%
HK$6,472
baseline
▲ 0.50% · 4.625%
HK$6,813
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,944/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$6,623
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,829
−HK$210/mo
Today · 4.125%
HK$7,039
baseline
▲ 0.50% · 4.625%
HK$7,467
+HK$428/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$14,078/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,368
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$200/mo
Today · 4.125%
HK$7,766
baseline
▲ 0.50% · 4.625%
HK$8,176
+HK$410/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$15,532/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,727
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$245/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,711
+HK$499/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,424/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,596
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$234/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$477/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,122/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,935
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$314/mo
Today · 4.125%
HK$10,558
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,116/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$11,052
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$300/mo
Today · 4.125%
HK$11,649
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,298/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).