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$5,582
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,756
−HK$176/mo
Today · 4.125%
HK$5,932
baseline
▲ 0.50% · 4.625%
HK$6,293
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,864/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$6,210
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,377
−HK$169/mo
Today · 4.125%
HK$6,546
baseline
▲ 0.50% · 4.625%
HK$6,891
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,092/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$6,699
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,907
−HK$212/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,552
+HK$433/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,238/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,452
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,652
−HK$203/mo
Today · 4.125%
HK$7,855
baseline
▲ 0.50% · 4.625%
HK$8,269
+HK$414/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,710/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,815
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,058
−HK$247/mo
Today · 4.125%
HK$8,305
baseline
▲ 0.50% · 4.625%
HK$8,811
+HK$506/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,610/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$8,694
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,927
−HK$237/mo
Today · 4.125%
HK$9,164
baseline
▲ 0.50% · 4.625%
HK$9,647
+HK$483/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,328/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$10,048
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$317/mo
Today · 4.125%
HK$10,678
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$650/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,356/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$11,178
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,478
−HK$304/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,403
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,564/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).