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$5,561
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$176/mo
Today · 4.125%
HK$5,910
baseline
▲ 0.50% · 4.625%
HK$6,269
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,820/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$6,187
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,353
−HK$168/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,865
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,042/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$6,673
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,881
−HK$211/mo
Today · 4.125%
HK$7,092
baseline
▲ 0.50% · 4.625%
HK$7,523
+HK$431/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$14,184/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,424
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,623
−HK$202/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,238
+HK$413/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$15,650/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,786
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$246/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,777
+HK$503/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$16,548/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,661
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,894
−HK$235/mo
Today · 4.125%
HK$9,129
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$482/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$18,258/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,010
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$317/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,285
+HK$647/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,276/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$11,136
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,435
−HK$303/mo
Today · 4.125%
HK$11,738
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,476/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).