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$5,550
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,723
−HK$175/mo
Today · 4.125%
HK$5,898
baseline
▲ 0.50% · 4.625%
HK$6,257
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,796/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$6,174
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,340
−HK$168/mo
Today · 4.125%
HK$6,508
baseline
▲ 0.50% · 4.625%
HK$6,851
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,016/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$6,660
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$211/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$430/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$14,156/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,409
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$202/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$411/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,620/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,770
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$245/mo
Today · 4.125%
HK$8,257
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$503/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,514/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,644
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,876
−HK$235/mo
Today · 4.125%
HK$9,111
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$481/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,222/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,990
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$316/mo
Today · 4.125%
HK$10,617
baseline
▲ 0.50% · 4.625%
HK$11,263
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,234/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,114
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$303/mo
Today · 4.125%
HK$11,715
baseline
▲ 0.50% · 4.625%
HK$12,332
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,430/mo (50% DSR)
Upfront cash ≈ HK$244K (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).