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$5,676
−HK$173/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$6,124
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,288
−HK$166/mo
Today · 4.125%
HK$6,454
baseline
▲ 0.50% · 4.625%
HK$6,795
+HK$341/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$6,811
−HK$208/mo
Today · 4.125%
HK$7,019
baseline
▲ 0.50% · 4.625%
HK$7,447
+HK$428/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$7,946
−HK$243/mo
Today · 4.125%
HK$8,189
baseline
▲ 0.50% · 4.625%
HK$8,688
+HK$499/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$8,573
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,803
−HK$233/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$9,908
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,216
−HK$313/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,170
+HK$641/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$596/mo
▼ 0.25% · 3.875%
HK$11,318
−HK$300/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,230
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,236/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).