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$5,570
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,744
−HK$176/mo
Today · 4.125%
HK$5,920
baseline
▲ 0.50% · 4.625%
HK$6,280
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,840/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$6,197
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,363
−HK$169/mo
Today · 4.125%
HK$6,532
baseline
▲ 0.50% · 4.625%
HK$6,876
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,064/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$6,684
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,892
−HK$212/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,536
+HK$432/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$14,208/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,436
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$202/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,251
+HK$413/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$15,676/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,798
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,041
−HK$246/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,792
+HK$505/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,574/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,676
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,908
−HK$236/mo
Today · 4.125%
HK$9,144
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$482/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,288/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,027
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$317/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$649/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,310/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$11,154
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$303/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,514/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).