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$5,563
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,736
−HK$176/mo
Today · 4.125%
HK$5,912
baseline
▲ 0.50% · 4.625%
HK$6,271
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,824/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$6,189
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,355
−HK$168/mo
Today · 4.125%
HK$6,523
baseline
▲ 0.50% · 4.625%
HK$6,867
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,046/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$6,675
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,883
−HK$211/mo
Today · 4.125%
HK$7,094
baseline
▲ 0.50% · 4.625%
HK$7,526
+HK$432/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$14,188/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,426
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,625
−HK$203/mo
Today · 4.125%
HK$7,828
baseline
▲ 0.50% · 4.625%
HK$8,240
+HK$412/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$15,656/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,788
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,030
−HK$246/mo
Today · 4.125%
HK$8,276
baseline
▲ 0.50% · 4.625%
HK$8,780
+HK$504/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$16,552/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,664
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$236/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,614
+HK$482/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$18,264/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,013
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$316/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$648/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,282/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$11,139
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$303/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$619/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,482/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).