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$5,546
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,719
−HK$175/mo
Today · 4.125%
HK$5,894
baseline
▲ 0.50% · 4.625%
HK$6,253
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,788/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$6,170
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,335
−HK$168/mo
Today · 4.125%
HK$6,503
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,006/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$6,655
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,862
−HK$211/mo
Today · 4.125%
HK$7,073
baseline
▲ 0.50% · 4.625%
HK$7,503
+HK$430/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$14,146/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,404
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,603
−HK$201/mo
Today · 4.125%
HK$7,804
baseline
▲ 0.50% · 4.625%
HK$8,215
+HK$411/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$15,608/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,765
−HK$486/mo
▼ 0.25% · 3.875%
HK$8,006
−HK$245/mo
Today · 4.125%
HK$8,251
baseline
▲ 0.50% · 4.625%
HK$8,754
+HK$503/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,502/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$8,638
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,870
−HK$235/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$480/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,210/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$9,983
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,294
−HK$315/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,255
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,218/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,106
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$302/mo
Today · 4.125%
HK$11,706
baseline
▲ 0.50% · 4.625%
HK$12,323
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,412/mo (50% DSR)
Upfront cash ≈ HK$243K (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).