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$5,586
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$176/mo
Today · 4.125%
HK$5,936
baseline
▲ 0.50% · 4.625%
HK$6,298
+HK$362/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,872/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$6,214
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$169/mo
Today · 4.125%
HK$6,550
baseline
▲ 0.50% · 4.625%
HK$6,895
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,100/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$6,703
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$212/mo
Today · 4.125%
HK$7,124
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$433/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$7,457
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$203/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,720/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$7,820
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$247/mo
Today · 4.125%
HK$8,311
baseline
▲ 0.50% · 4.625%
HK$8,817
+HK$506/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$16,622/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$8,700
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$237/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,654
+HK$484/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$18,340/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$10,055
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,368
−HK$317/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,336
+HK$651/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,370/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$11,186
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,486
−HK$304/mo
Today · 4.125%
HK$11,790
baseline
▲ 0.50% · 4.625%
HK$12,412
+HK$622/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,580/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).