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$5,504
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,675
−HK$174/mo
Today · 4.125%
HK$5,849
baseline
▲ 0.50% · 4.625%
HK$6,205
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,698/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$6,123
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,287
−HK$167/mo
Today · 4.125%
HK$6,454
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,908/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$6,605
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$209/mo
Today · 4.125%
HK$7,019
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$427/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$14,038/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$7,348
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$200/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,153
+HK$408/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$15,490/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$7,706
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$244/mo
Today · 4.125%
HK$8,189
baseline
▲ 0.50% · 4.625%
HK$8,687
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,378/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$8,572
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,802
−HK$234/mo
Today · 4.125%
HK$9,036
baseline
▲ 0.50% · 4.625%
HK$9,512
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,072/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$9,907
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$314/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,169
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,058/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$11,022
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,317
−HK$300/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,230
+HK$613/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,234/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).