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$5,538
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,710
−HK$175/mo
Today · 4.125%
HK$5,885
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$359/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,770/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$6,161
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,326
−HK$168/mo
Today · 4.125%
HK$6,494
baseline
▲ 0.50% · 4.625%
HK$6,836
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,988/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$6,646
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,852
−HK$210/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,492
+HK$430/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,124/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,393
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$201/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$411/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,586/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,753
−HK$487/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$245/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,741
+HK$501/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,480/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$8,626
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$235/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,571
+HK$479/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,184/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$9,969
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,279
−HK$315/mo
Today · 4.125%
HK$10,594
baseline
▲ 0.50% · 4.625%
HK$11,238
+HK$644/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,188/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$11,090
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,387
−HK$302/mo
Today · 4.125%
HK$11,689
baseline
▲ 0.50% · 4.625%
HK$12,305
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,378/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).