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$5,548
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,721
−HK$175/mo
Today · 4.125%
HK$5,896
baseline
▲ 0.50% · 4.625%
HK$6,255
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,792/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$6,173
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,338
−HK$168/mo
Today · 4.125%
HK$6,506
baseline
▲ 0.50% · 4.625%
HK$6,849
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,012/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$6,658
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,865
−HK$211/mo
Today · 4.125%
HK$7,076
baseline
▲ 0.50% · 4.625%
HK$7,506
+HK$430/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$14,152/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,407
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,606
−HK$201/mo
Today · 4.125%
HK$7,807
baseline
▲ 0.50% · 4.625%
HK$8,219
+HK$412/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$15,614/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,768
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,009
−HK$246/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,757
+HK$502/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,510/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,642
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,873
−HK$235/mo
Today · 4.125%
HK$9,108
baseline
▲ 0.50% · 4.625%
HK$9,589
+HK$481/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,216/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,987
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$315/mo
Today · 4.125%
HK$10,613
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,226/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,111
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$302/mo
Today · 4.125%
HK$11,711
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,422/mo (50% DSR)
Upfront cash ≈ HK$243K (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).