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$5,572
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,745
−HK$176/mo
Today · 4.125%
HK$5,921
baseline
▲ 0.50% · 4.625%
HK$6,282
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,842/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$6,199
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,365
−HK$169/mo
Today · 4.125%
HK$6,534
baseline
▲ 0.50% · 4.625%
HK$6,878
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,068/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$6,686
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$212/mo
Today · 4.125%
HK$7,106
baseline
▲ 0.50% · 4.625%
HK$7,538
+HK$432/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$14,212/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$7,438
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,638
−HK$202/mo
Today · 4.125%
HK$7,840
baseline
▲ 0.50% · 4.625%
HK$8,254
+HK$414/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$15,680/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$7,801
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$247/mo
Today · 4.125%
HK$8,290
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$504/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,580/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,678
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$236/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$482/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,294/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,029
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$317/mo
Today · 4.125%
HK$10,658
baseline
▲ 0.50% · 4.625%
HK$11,307
+HK$649/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,316/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$11,158
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$303/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,520/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).