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$6,262
+HK$359/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$333/mo
▼ 0.25% · 3.875%
HK$6,345
−HK$168/mo
Today · 4.125%
HK$6,513
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,026/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$6,873
−HK$211/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$400/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$202/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,228
+HK$412/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,632/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$487/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$245/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$503/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$16,528/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$8,651
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$236/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$11,272
+HK$646/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$11,123
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,422
−HK$302/mo
Today · 4.125%
HK$11,724
baseline
▲ 0.50% · 4.625%
HK$12,342
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,448/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).