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$5,554
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,727
−HK$175/mo
Today · 4.125%
HK$5,902
baseline
▲ 0.50% · 4.625%
HK$6,261
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,804/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$6,179
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,344
−HK$168/mo
Today · 4.125%
HK$6,512
baseline
▲ 0.50% · 4.625%
HK$6,856
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,024/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$6,665
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$211/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,513
+HK$430/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$14,166/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$7,414
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,613
−HK$202/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,227
+HK$412/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,630/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$7,775
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,017
−HK$246/mo
Today · 4.125%
HK$8,263
baseline
▲ 0.50% · 4.625%
HK$8,766
+HK$503/mo
Deposit HK$731K · loan HK$1.70M · min. income ≈ HK$16,526/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,650
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$235/mo
Today · 4.125%
HK$9,117
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$481/mo
Deposit HK$731K · loan HK$1.70M · min. income ≈ HK$18,234/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,997
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$316/mo
Today · 4.125%
HK$10,624
baseline
▲ 0.50% · 4.625%
HK$11,270
+HK$646/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,248/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$11,121
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$302/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,340
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,444/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).