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$5,574
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,747
−HK$176/mo
Today · 4.125%
HK$5,923
baseline
▲ 0.50% · 4.625%
HK$6,284
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,846/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$6,201
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,367
−HK$169/mo
Today · 4.125%
HK$6,536
baseline
▲ 0.50% · 4.625%
HK$6,880
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,072/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$6,688
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,896
−HK$212/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,540
+HK$432/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,216/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,441
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,640
−HK$203/mo
Today · 4.125%
HK$7,843
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$413/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,686/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,803
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$246/mo
Today · 4.125%
HK$8,292
baseline
▲ 0.50% · 4.625%
HK$8,797
+HK$505/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,584/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$8,681
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,914
−HK$236/mo
Today · 4.125%
HK$9,150
baseline
▲ 0.50% · 4.625%
HK$9,632
+HK$482/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,300/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$10,033
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$317/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$648/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,324/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$11,161
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$304/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,528/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).