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$5,560
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,733
−HK$176/mo
Today · 4.125%
HK$5,909
baseline
▲ 0.50% · 4.625%
HK$6,268
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,818/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$6,186
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,351
−HK$169/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,863
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,040/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$6,672
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,880
−HK$211/mo
Today · 4.125%
HK$7,091
baseline
▲ 0.50% · 4.625%
HK$7,522
+HK$431/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$14,182/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$7,423
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,622
−HK$202/mo
Today · 4.125%
HK$7,824
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$412/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$15,648/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$7,784
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,026
−HK$246/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,776
+HK$504/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$16,544/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$8,660
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,892
−HK$236/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,609
+HK$481/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$18,256/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$10,008
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$316/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$647/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,272/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$11,134
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$303/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,472/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).