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$5,514
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,686
−HK$174/mo
Today · 4.125%
HK$5,860
baseline
▲ 0.50% · 4.625%
HK$6,216
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,720/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$6,134
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,299
−HK$167/mo
Today · 4.125%
HK$6,466
baseline
▲ 0.50% · 4.625%
HK$6,807
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,932/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$6,617
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,823
−HK$209/mo
Today · 4.125%
HK$7,032
baseline
▲ 0.50% · 4.625%
HK$7,460
+HK$428/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$14,064/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,361
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,559
−HK$200/mo
Today · 4.125%
HK$7,759
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$409/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$15,518/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,720
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$244/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,703
+HK$499/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,408/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,588
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$234/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,104/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,925
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,234
−HK$314/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$642/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,096/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$11,042
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$300/mo
Today · 4.125%
HK$11,638
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$614/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,276/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).