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$5,555
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,727
−HK$176/mo
Today · 4.125%
HK$5,903
baseline
▲ 0.50% · 4.625%
HK$6,262
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,806/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$6,179
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,345
−HK$168/mo
Today · 4.125%
HK$6,513
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,026/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$6,665
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$210/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,514
+HK$431/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$14,166/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,415
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$202/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,228
+HK$412/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,632/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,776
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$246/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$503/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$16,528/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,651
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$235/mo
Today · 4.125%
HK$9,118
baseline
▲ 0.50% · 4.625%
HK$9,599
+HK$481/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$18,236/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,998
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$316/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,272
+HK$647/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,250/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$11,123
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,421
−HK$303/mo
Today · 4.125%
HK$11,724
baseline
▲ 0.50% · 4.625%
HK$12,342
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,448/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).