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$5,559
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,732
−HK$176/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,268
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,816/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$6,185
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,351
−HK$168/mo
Today · 4.125%
HK$6,519
baseline
▲ 0.50% · 4.625%
HK$6,863
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,038/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$6,671
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,879
−HK$211/mo
Today · 4.125%
HK$7,090
baseline
▲ 0.50% · 4.625%
HK$7,521
+HK$431/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$14,180/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$7,422
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,621
−HK$202/mo
Today · 4.125%
HK$7,823
baseline
▲ 0.50% · 4.625%
HK$8,235
+HK$412/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$15,646/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$7,783
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,025
−HK$246/mo
Today · 4.125%
HK$8,271
baseline
▲ 0.50% · 4.625%
HK$8,775
+HK$504/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$16,542/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,659
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$236/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,608
+HK$481/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$18,254/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,007
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,318
−HK$316/mo
Today · 4.125%
HK$10,634
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$648/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,268/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$11,133
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$303/mo
Today · 4.125%
HK$11,734
baseline
▲ 0.50% · 4.625%
HK$12,353
+HK$619/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,468/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).