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$5,577
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,751
−HK$176/mo
Today · 4.125%
HK$5,927
baseline
▲ 0.50% · 4.625%
HK$6,287
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,854/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$6,204
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,371
−HK$169/mo
Today · 4.125%
HK$6,540
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,080/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$6,693
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$211/mo
Today · 4.125%
HK$7,112
baseline
▲ 0.50% · 4.625%
HK$7,545
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,224/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$7,445
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$203/mo
Today · 4.125%
HK$7,848
baseline
▲ 0.50% · 4.625%
HK$8,261
+HK$413/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,696/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$7,808
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,051
−HK$247/mo
Today · 4.125%
HK$8,298
baseline
▲ 0.50% · 4.625%
HK$8,802
+HK$504/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,596/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$8,686
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,919
−HK$237/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,638
+HK$482/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,312/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$10,039
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$317/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,336/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$11,168
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$303/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,542/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).