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$5,501
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,672
−HK$174/mo
Today · 4.125%
HK$5,846
baseline
▲ 0.50% · 4.625%
HK$6,201
+HK$355/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,692/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$6,119
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$166/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,900/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$6,601
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,806
−HK$209/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,442
+HK$427/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$14,030/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,343
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,540
−HK$200/mo
Today · 4.125%
HK$7,740
baseline
▲ 0.50% · 4.625%
HK$8,148
+HK$408/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$15,480/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,701
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$243/mo
Today · 4.125%
HK$8,184
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,368/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,567
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,797
−HK$233/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,506
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,060/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,901
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$313/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,044/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,015
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,311
−HK$299/mo
Today · 4.125%
HK$11,610
baseline
▲ 0.50% · 4.625%
HK$12,222
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,220/mo (50% DSR)
Upfront cash ≈ HK$241K (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).