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$5,521
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,692
−HK$175/mo
Today · 4.125%
HK$5,867
baseline
▲ 0.50% · 4.625%
HK$6,224
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,734/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$6,142
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,306
−HK$167/mo
Today · 4.125%
HK$6,473
baseline
▲ 0.50% · 4.625%
HK$6,815
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,946/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$6,625
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,831
−HK$209/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$429/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$14,080/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,370
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$200/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,178
+HK$410/mo
Deposit HK$968K · loan HK$1.45M · min. income ≈ HK$15,536/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,729
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,969
−HK$245/mo
Today · 4.125%
HK$8,214
baseline
▲ 0.50% · 4.625%
HK$8,713
+HK$499/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,428/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$8,598
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$234/mo
Today · 4.125%
HK$9,063
baseline
▲ 0.50% · 4.625%
HK$9,541
+HK$478/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,126/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$9,937
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$314/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,120/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$11,055
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,351
−HK$301/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,304/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).