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$5,564
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,737
−HK$176/mo
Today · 4.125%
HK$5,913
baseline
▲ 0.50% · 4.625%
HK$6,273
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,826/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$6,190
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,356
−HK$168/mo
Today · 4.125%
HK$6,524
baseline
▲ 0.50% · 4.625%
HK$6,868
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,048/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$6,677
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,884
−HK$211/mo
Today · 4.125%
HK$7,095
baseline
▲ 0.50% · 4.625%
HK$7,527
+HK$432/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$14,190/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,428
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,627
−HK$202/mo
Today · 4.125%
HK$7,829
baseline
▲ 0.50% · 4.625%
HK$8,242
+HK$413/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$15,658/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,789
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,032
−HK$246/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,782
+HK$504/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$16,556/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$8,666
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,898
−HK$236/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,615
+HK$481/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$18,268/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$10,015
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,327
−HK$316/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,291
+HK$648/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,286/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$11,142
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,440
−HK$304/mo
Today · 4.125%
HK$11,744
baseline
▲ 0.50% · 4.625%
HK$12,363
+HK$619/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,488/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).