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$5,587
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$177/mo
Today · 4.125%
HK$5,937
baseline
▲ 0.50% · 4.625%
HK$6,298
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,874/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,215
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$169/mo
Today · 4.125%
HK$6,551
baseline
▲ 0.50% · 4.625%
HK$6,896
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,102/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,704
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$212/mo
Today · 4.125%
HK$7,124
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$434/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,248/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,458
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,658
−HK$203/mo
Today · 4.125%
HK$7,861
baseline
▲ 0.50% · 4.625%
HK$8,275
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,722/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,821
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$248/mo
Today · 4.125%
HK$8,312
baseline
▲ 0.50% · 4.625%
HK$8,817
+HK$505/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$16,624/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,701
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,934
−HK$237/mo
Today · 4.125%
HK$9,171
baseline
▲ 0.50% · 4.625%
HK$9,655
+HK$484/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$18,342/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,056
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$317/mo
Today · 4.125%
HK$10,686
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$651/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,372/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$11,187
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$304/mo
Today · 4.125%
HK$11,791
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$622/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,582/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).