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$5,531
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,703
−HK$175/mo
Today · 4.125%
HK$5,878
baseline
▲ 0.50% · 4.625%
HK$6,235
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,756/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$6,153
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,318
−HK$167/mo
Today · 4.125%
HK$6,485
baseline
▲ 0.50% · 4.625%
HK$6,827
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,970/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$6,637
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,843
−HK$210/mo
Today · 4.125%
HK$7,053
baseline
▲ 0.50% · 4.625%
HK$7,482
+HK$429/mo
Deposit HK$970K · loan HK$1.46M · min. income ≈ HK$14,106/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$7,384
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,582
−HK$200/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,193
+HK$411/mo
Deposit HK$970K · loan HK$1.46M · min. income ≈ HK$15,564/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$7,743
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,984
−HK$245/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$500/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,458/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$8,614
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$234/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,158/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$9,955
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$315/mo
Today · 4.125%
HK$10,580
baseline
▲ 0.50% · 4.625%
HK$11,223
+HK$643/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,160/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$11,075
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,372
−HK$302/mo
Today · 4.125%
HK$11,674
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$615/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,348/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).