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$5,555
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,728
−HK$175/mo
Today · 4.125%
HK$5,903
baseline
▲ 0.50% · 4.625%
HK$6,263
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,806/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$6,180
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,346
−HK$168/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,028/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$6,666
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,874
−HK$210/mo
Today · 4.125%
HK$7,084
baseline
▲ 0.50% · 4.625%
HK$7,515
+HK$431/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$14,168/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,416
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,615
−HK$202/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$412/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,634/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,777
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$246/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,768
+HK$503/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$16,530/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,652
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,884
−HK$235/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$481/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$18,238/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,999
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,310
−HK$316/mo
Today · 4.125%
HK$10,626
baseline
▲ 0.50% · 4.625%
HK$11,273
+HK$647/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,252/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$11,124
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,422
−HK$303/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,343
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,450/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).