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$5,580
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,754
−HK$176/mo
Today · 4.125%
HK$5,930
baseline
▲ 0.50% · 4.625%
HK$6,291
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,860/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$6,208
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,375
−HK$169/mo
Today · 4.125%
HK$6,544
baseline
▲ 0.50% · 4.625%
HK$6,888
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,088/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$6,696
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$211/mo
Today · 4.125%
HK$7,116
baseline
▲ 0.50% · 4.625%
HK$7,549
+HK$433/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,232/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$7,450
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$202/mo
Today · 4.125%
HK$7,852
baseline
▲ 0.50% · 4.625%
HK$8,266
+HK$414/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,704/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$7,813
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$246/mo
Today · 4.125%
HK$8,302
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$506/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,604/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,691
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,924
−HK$237/mo
Today · 4.125%
HK$9,161
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$483/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,322/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,045
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$318/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,324
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,350/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$11,175
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$304/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,399
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,556/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).