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$5,537
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,709
−HK$175/mo
Today · 4.125%
HK$5,884
baseline
▲ 0.50% · 4.625%
HK$6,242
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,768/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$6,325
−HK$167/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$6,644
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$209/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$400/mo
▼ 0.25% · 3.875%
HK$7,589
−HK$202/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,201
+HK$410/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,582/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$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,623
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$235/mo
Today · 4.125%
HK$9,089
baseline
▲ 0.50% · 4.625%
HK$9,568
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,178/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,966
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,276
−HK$315/mo
Today · 4.125%
HK$10,591
baseline
▲ 0.50% · 4.625%
HK$11,235
+HK$644/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,182/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$11,087
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$302/mo
Today · 4.125%
HK$11,686
baseline
▲ 0.50% · 4.625%
HK$12,302
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,372/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).