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$5,575
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$177/mo
Today · 4.125%
HK$5,925
baseline
▲ 0.50% · 4.625%
HK$6,285
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,850/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$6,202
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,368
−HK$169/mo
Today · 4.125%
HK$6,537
baseline
▲ 0.50% · 4.625%
HK$6,882
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,074/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$6,690
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$212/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,542
+HK$432/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,220/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$7,443
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,642
−HK$203/mo
Today · 4.125%
HK$7,845
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$413/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,690/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$7,805
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$246/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$505/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,588/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$8,683
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,916
−HK$236/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,635
+HK$483/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,304/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$10,035
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$317/mo
Today · 4.125%
HK$10,664
baseline
▲ 0.50% · 4.625%
HK$11,313
+HK$649/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,328/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$11,164
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,463
−HK$304/mo
Today · 4.125%
HK$11,767
baseline
▲ 0.50% · 4.625%
HK$12,387
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,534/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).