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$5,551
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,724
−HK$175/mo
Today · 4.125%
HK$5,899
baseline
▲ 0.50% · 4.625%
HK$6,258
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,798/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$6,176
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,341
−HK$168/mo
Today · 4.125%
HK$6,509
baseline
▲ 0.50% · 4.625%
HK$6,852
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,018/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$6,661
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$210/mo
Today · 4.125%
HK$7,079
baseline
▲ 0.50% · 4.625%
HK$7,510
+HK$431/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$14,158/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,411
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,609
−HK$202/mo
Today · 4.125%
HK$7,811
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$412/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,622/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,772
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$246/mo
Today · 4.125%
HK$8,259
baseline
▲ 0.50% · 4.625%
HK$8,761
+HK$502/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,518/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,646
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,878
−HK$235/mo
Today · 4.125%
HK$9,113
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$480/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,226/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,992
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$316/mo
Today · 4.125%
HK$10,619
baseline
▲ 0.50% · 4.625%
HK$11,265
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,238/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$11,116
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$303/mo
Today · 4.125%
HK$11,717
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,434/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).