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$5,529
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,701
−HK$175/mo
Today · 4.125%
HK$5,876
baseline
▲ 0.50% · 4.625%
HK$6,233
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,752/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$6,151
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,316
−HK$168/mo
Today · 4.125%
HK$6,484
baseline
▲ 0.50% · 4.625%
HK$6,825
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,968/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$6,635
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,841
−HK$210/mo
Today · 4.125%
HK$7,051
baseline
▲ 0.50% · 4.625%
HK$7,480
+HK$429/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$14,102/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$7,381
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,579
−HK$201/mo
Today · 4.125%
HK$7,780
baseline
▲ 0.50% · 4.625%
HK$8,190
+HK$410/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$15,560/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$7,741
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,982
−HK$244/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,727
+HK$501/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,452/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,612
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$234/mo
Today · 4.125%
HK$9,077
baseline
▲ 0.50% · 4.625%
HK$9,555
+HK$478/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,154/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,953
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,262
−HK$315/mo
Today · 4.125%
HK$10,577
baseline
▲ 0.50% · 4.625%
HK$11,220
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,154/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$11,072
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,369
−HK$301/mo
Today · 4.125%
HK$11,670
baseline
▲ 0.50% · 4.625%
HK$12,285
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,340/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).