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$5,541
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,714
−HK$175/mo
Today · 4.125%
HK$5,889
baseline
▲ 0.50% · 4.625%
HK$6,247
+HK$358/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,778/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$6,165
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,330
−HK$168/mo
Today · 4.125%
HK$6,498
baseline
▲ 0.50% · 4.625%
HK$6,840
+HK$342/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$12,996/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$6,650
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,857
−HK$210/mo
Today · 4.125%
HK$7,067
baseline
▲ 0.50% · 4.625%
HK$7,497
+HK$430/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$14,134/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,398
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,596
−HK$201/mo
Today · 4.125%
HK$7,797
baseline
▲ 0.50% · 4.625%
HK$8,208
+HK$411/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$15,594/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,758
−HK$487/mo
▼ 0.25% · 3.875%
HK$7,999
−HK$246/mo
Today · 4.125%
HK$8,245
baseline
▲ 0.50% · 4.625%
HK$8,746
+HK$501/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,490/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,631
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,862
−HK$235/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$480/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,194/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,975
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$315/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,245
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,200/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$11,097
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$302/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,313
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,392/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).