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$5,506
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,678
−HK$174/mo
Today · 4.125%
HK$5,852
baseline
▲ 0.50% · 4.625%
HK$6,208
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,704/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$6,126
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$167/mo
Today · 4.125%
HK$6,457
baseline
▲ 0.50% · 4.625%
HK$6,797
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,914/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$6,608
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,813
−HK$209/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,449
+HK$427/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$14,044/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,351
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,548
−HK$200/mo
Today · 4.125%
HK$7,748
baseline
▲ 0.50% · 4.625%
HK$8,156
+HK$408/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$15,496/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,709
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,949
−HK$243/mo
Today · 4.125%
HK$8,192
baseline
▲ 0.50% · 4.625%
HK$8,691
+HK$499/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,384/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,576
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$233/mo
Today · 4.125%
HK$9,039
baseline
▲ 0.50% · 4.625%
HK$9,516
+HK$477/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,078/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,911
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,220
−HK$313/mo
Today · 4.125%
HK$10,533
baseline
▲ 0.50% · 4.625%
HK$11,174
+HK$641/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,066/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$11,026
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,322
−HK$300/mo
Today · 4.125%
HK$11,622
baseline
▲ 0.50% · 4.625%
HK$12,235
+HK$613/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,244/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).