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$5,532
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,704
−HK$174/mo
Today · 4.125%
HK$5,878
baseline
▲ 0.50% · 4.625%
HK$6,236
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,756/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$6,154
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,319
−HK$167/mo
Today · 4.125%
HK$6,486
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,972/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$6,638
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$210/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,483
+HK$429/mo
Deposit HK$970K · loan HK$1.46M · min. income ≈ HK$14,108/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$7,385
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,583
−HK$201/mo
Today · 4.125%
HK$7,784
baseline
▲ 0.50% · 4.625%
HK$8,194
+HK$410/mo
Deposit HK$970K · loan HK$1.46M · min. income ≈ HK$15,568/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$7,744
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$245/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,460/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$8,615
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$235/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$478/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,162/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$9,957
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,266
−HK$315/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$644/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,162/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$11,077
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$301/mo
Today · 4.125%
HK$11,675
baseline
▲ 0.50% · 4.625%
HK$12,291
+HK$616/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,350/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).