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$5,522
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,694
−HK$174/mo
Today · 4.125%
HK$5,868
baseline
▲ 0.50% · 4.625%
HK$6,226
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,736/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$6,143
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$167/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,817
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,950/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$6,627
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,833
−HK$209/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$429/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$14,084/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$7,372
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$200/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$410/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$15,540/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$7,731
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,972
−HK$244/mo
Today · 4.125%
HK$8,216
baseline
▲ 0.50% · 4.625%
HK$8,716
+HK$500/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,432/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,601
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,831
−HK$234/mo
Today · 4.125%
HK$9,065
baseline
▲ 0.50% · 4.625%
HK$9,543
+HK$478/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,130/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,940
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$314/mo
Today · 4.125%
HK$10,563
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,126/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$11,058
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$301/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,270
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,312/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).