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$5,574
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$176/mo
Today · 4.125%
HK$5,924
baseline
▲ 0.50% · 4.625%
HK$6,284
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,848/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,201
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,368
−HK$168/mo
Today · 4.125%
HK$6,536
baseline
▲ 0.50% · 4.625%
HK$6,881
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,072/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,689
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$211/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,541
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,216/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,441
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$202/mo
Today · 4.125%
HK$7,843
baseline
▲ 0.50% · 4.625%
HK$8,257
+HK$414/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,686/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,804
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$246/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,798
+HK$505/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,586/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,682
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$236/mo
Today · 4.125%
HK$9,151
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$482/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,302/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,034
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$317/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,312
+HK$649/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,326/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,162
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$303/mo
Today · 4.125%
HK$11,765
baseline
▲ 0.50% · 4.625%
HK$12,385
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,530/mo (50% DSR)
Upfront cash ≈ HK$245K (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).