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$5,498
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,669
−HK$173/mo
Today · 4.125%
HK$5,842
baseline
▲ 0.50% · 4.625%
HK$6,198
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,684/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$6,116
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,280
−HK$167/mo
Today · 4.125%
HK$6,447
baseline
▲ 0.50% · 4.625%
HK$6,786
+HK$339/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,894/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$6,597
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,802
−HK$209/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,437
+HK$426/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$14,022/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,339
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,536
−HK$200/mo
Today · 4.125%
HK$7,736
baseline
▲ 0.50% · 4.625%
HK$8,144
+HK$408/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$15,472/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,697
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,936
−HK$243/mo
Today · 4.125%
HK$8,179
baseline
▲ 0.50% · 4.625%
HK$8,677
+HK$498/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,358/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,563
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,792
−HK$233/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,501
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,050/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,896
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$312/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,032/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$11,009
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$300/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,208/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).