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$5,579
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,752
−HK$176/mo
Today · 4.125%
HK$5,928
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,856/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$6,206
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$169/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,886
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,082/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$6,694
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$212/mo
Today · 4.125%
HK$7,114
baseline
▲ 0.50% · 4.625%
HK$7,547
+HK$433/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,228/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,447
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,647
−HK$203/mo
Today · 4.125%
HK$7,850
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$413/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,700/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,810
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$247/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,805
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,600/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,688
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$237/mo
Today · 4.125%
HK$9,158
baseline
▲ 0.50% · 4.625%
HK$9,641
+HK$483/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,316/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,041
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$317/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,342/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,171
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,470
−HK$304/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,395
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$245K (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).