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$347/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$175/mo
Today · 4.125%
HK$5,868
baseline
▲ 0.50% · 4.625%
HK$6,225
+HK$357/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$6,142
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,307
−HK$167/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,815
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,948/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$6,626
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$209/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$428/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$14,082/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$7,371
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$200/mo
Today · 4.125%
HK$7,769
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$410/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$15,538/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$7,730
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$245/mo
Today · 4.125%
HK$8,215
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$499/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,430/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$8,599
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,830
−HK$234/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$478/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,128/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$9,938
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$315/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,124/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$11,056
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$301/mo
Today · 4.125%
HK$11,654
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,308/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).