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$5,544
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,716
−HK$175/mo
Today · 4.125%
HK$5,891
baseline
▲ 0.50% · 4.625%
HK$6,250
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,782/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$6,167
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,333
−HK$168/mo
Today · 4.125%
HK$6,501
baseline
▲ 0.50% · 4.625%
HK$6,843
+HK$342/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,002/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$6,653
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$211/mo
Today · 4.125%
HK$7,070
baseline
▲ 0.50% · 4.625%
HK$7,500
+HK$430/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$14,140/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$7,401
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$202/mo
Today · 4.125%
HK$7,801
baseline
▲ 0.50% · 4.625%
HK$8,212
+HK$411/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$15,602/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$7,761
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,003
−HK$245/mo
Today · 4.125%
HK$8,248
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$502/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,496/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,634
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,866
−HK$235/mo
Today · 4.125%
HK$9,101
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$480/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,202/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,979
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,289
−HK$316/mo
Today · 4.125%
HK$10,605
baseline
▲ 0.50% · 4.625%
HK$11,250
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,210/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$11,101
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$302/mo
Today · 4.125%
HK$11,701
baseline
▲ 0.50% · 4.625%
HK$12,318
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,402/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).