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$5,521
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$174/mo
Today · 4.125%
HK$5,867
baseline
▲ 0.50% · 4.625%
HK$6,224
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,734/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$6,142
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,307
−HK$167/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,815
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,948/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$6,625
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,831
−HK$210/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$428/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$14,082/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,371
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$201/mo
Today · 4.125%
HK$7,769
baseline
▲ 0.50% · 4.625%
HK$8,178
+HK$409/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$15,538/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,730
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$244/mo
Today · 4.125%
HK$8,214
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$500/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$16,428/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,599
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,830
−HK$234/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$478/mo
Deposit HK$726K · loan HK$1.69M · min. income ≈ HK$18,128/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,938
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$314/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,122/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$11,056
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$300/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,306/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).