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$5,552
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,725
−HK$175/mo
Today · 4.125%
HK$5,900
baseline
▲ 0.50% · 4.625%
HK$6,259
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,800/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$334/mo
▼ 0.25% · 3.875%
HK$6,342
−HK$168/mo
Today · 4.125%
HK$6,510
baseline
▲ 0.50% · 4.625%
HK$6,853
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,020/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$6,662
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$211/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,511
+HK$431/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$14,160/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$7,412
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$202/mo
Today · 4.125%
HK$7,812
baseline
▲ 0.50% · 4.625%
HK$8,224
+HK$412/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,624/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$7,773
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$246/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$503/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,520/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$8,647
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,879
−HK$235/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$480/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,228/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$9,993
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,304
−HK$316/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,266
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,240/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$11,117
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,416
−HK$302/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,336
+HK$618/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,436/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).