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$5,582
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,755
−HK$177/mo
Today · 4.125%
HK$5,932
baseline
▲ 0.50% · 4.625%
HK$6,292
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,864/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$6,209
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,376
−HK$169/mo
Today · 4.125%
HK$6,545
baseline
▲ 0.50% · 4.625%
HK$6,890
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,090/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$6,698
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,906
−HK$212/mo
Today · 4.125%
HK$7,118
baseline
▲ 0.50% · 4.625%
HK$7,551
+HK$433/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,236/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$7,451
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$203/mo
Today · 4.125%
HK$7,854
baseline
▲ 0.50% · 4.625%
HK$8,268
+HK$414/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,708/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$7,814
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$247/mo
Today · 4.125%
HK$8,304
baseline
▲ 0.50% · 4.625%
HK$8,809
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,608/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$8,693
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,926
−HK$237/mo
Today · 4.125%
HK$9,163
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$483/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,326/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$10,047
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,359
−HK$318/mo
Today · 4.125%
HK$10,677
baseline
▲ 0.50% · 4.625%
HK$11,326
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,354/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$11,177
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,477
−HK$304/mo
Today · 4.125%
HK$11,781
baseline
▲ 0.50% · 4.625%
HK$12,402
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,562/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).