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$5,581
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,754
−HK$177/mo
Today · 4.125%
HK$5,931
baseline
▲ 0.50% · 4.625%
HK$6,292
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,862/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$6,209
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,375
−HK$169/mo
Today · 4.125%
HK$6,544
baseline
▲ 0.50% · 4.625%
HK$6,889
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,088/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$6,697
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$212/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,550
+HK$433/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,234/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$7,450
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$203/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$414/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,706/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$7,813
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$247/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,606/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$8,692
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$237/mo
Today · 4.125%
HK$9,162
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$482/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,324/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$10,045
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$317/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,325
+HK$650/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,350/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$11,175
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,475
−HK$304/mo
Today · 4.125%
HK$11,779
baseline
▲ 0.50% · 4.625%
HK$12,400
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,558/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).