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$5,530
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,702
−HK$175/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,235
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,754/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$6,152
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,317
−HK$168/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$6,636
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,843
−HK$209/mo
Today · 4.125%
HK$7,052
baseline
▲ 0.50% · 4.625%
HK$7,482
+HK$430/mo
Deposit HK$970K · loan HK$1.46M · min. income ≈ HK$14,104/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$7,383
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,581
−HK$201/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,192
+HK$410/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$7,742
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$245/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,456/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$8,613
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,844
−HK$235/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$478/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$9,954
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$315/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$643/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,158/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$11,074
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,371
−HK$302/mo
Today · 4.125%
HK$11,673
baseline
▲ 0.50% · 4.625%
HK$12,288
+HK$615/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,346/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).