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$5,505
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,677
−HK$174/mo
Today · 4.125%
HK$5,851
baseline
▲ 0.50% · 4.625%
HK$6,207
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,702/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$6,125
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,289
−HK$166/mo
Today · 4.125%
HK$6,455
baseline
▲ 0.50% · 4.625%
HK$6,796
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,910/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$6,606
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$209/mo
Today · 4.125%
HK$7,021
baseline
▲ 0.50% · 4.625%
HK$7,448
+HK$427/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$14,042/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$7,350
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,547
−HK$200/mo
Today · 4.125%
HK$7,747
baseline
▲ 0.50% · 4.625%
HK$8,155
+HK$408/mo
Deposit HK$966K · loan HK$1.45M · min. income ≈ HK$15,494/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$7,707
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,947
−HK$244/mo
Today · 4.125%
HK$8,191
baseline
▲ 0.50% · 4.625%
HK$8,689
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,382/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$8,574
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$234/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,514
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,076/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$9,910
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,218
−HK$313/mo
Today · 4.125%
HK$10,531
baseline
▲ 0.50% · 4.625%
HK$11,172
+HK$641/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,062/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$11,024
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,320
−HK$300/mo
Today · 4.125%
HK$11,620
baseline
▲ 0.50% · 4.625%
HK$12,232
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,240/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).