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$5,503
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,674
−HK$174/mo
Today · 4.125%
HK$5,848
baseline
▲ 0.50% · 4.625%
HK$6,204
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,696/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$6,122
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,286
−HK$167/mo
Today · 4.125%
HK$6,453
baseline
▲ 0.50% · 4.625%
HK$6,793
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,906/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$6,603
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,809
−HK$208/mo
Today · 4.125%
HK$7,017
baseline
▲ 0.50% · 4.625%
HK$7,444
+HK$427/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$14,034/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,346
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,543
−HK$200/mo
Today · 4.125%
HK$7,743
baseline
▲ 0.50% · 4.625%
HK$8,151
+HK$408/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$15,486/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,704
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,944
−HK$243/mo
Today · 4.125%
HK$8,187
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,374/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,571
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,800
−HK$234/mo
Today · 4.125%
HK$9,034
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,068/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,905
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$313/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$641/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,052/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$300/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,230/mo (50% DSR)
Upfront cash ≈ HK$241K (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).