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$5,547
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,720
−HK$175/mo
Today · 4.125%
HK$5,895
baseline
▲ 0.50% · 4.625%
HK$6,254
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,790/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$6,171
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,337
−HK$168/mo
Today · 4.125%
HK$6,505
baseline
▲ 0.50% · 4.625%
HK$6,847
+HK$342/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,010/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$6,657
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,864
−HK$210/mo
Today · 4.125%
HK$7,074
baseline
▲ 0.50% · 4.625%
HK$7,504
+HK$430/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$14,148/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,405
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,604
−HK$201/mo
Today · 4.125%
HK$7,805
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$412/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$15,610/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,766
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$245/mo
Today · 4.125%
HK$8,253
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$502/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,506/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,640
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,871
−HK$235/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$480/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,212/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,985
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$316/mo
Today · 4.125%
HK$10,611
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,222/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$11,108
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,406
−HK$302/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,416/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).