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$5,585
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,759
−HK$176/mo
Today · 4.125%
HK$5,935
baseline
▲ 0.50% · 4.625%
HK$6,296
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,870/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$6,213
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,380
−HK$169/mo
Today · 4.125%
HK$6,549
baseline
▲ 0.50% · 4.625%
HK$6,894
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,098/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$6,702
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,911
−HK$211/mo
Today · 4.125%
HK$7,122
baseline
▲ 0.50% · 4.625%
HK$7,556
+HK$434/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,244/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,456
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,656
−HK$203/mo
Today · 4.125%
HK$7,859
baseline
▲ 0.50% · 4.625%
HK$8,273
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,718/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,819
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,062
−HK$247/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,815
+HK$506/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$16,618/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,699
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,932
−HK$237/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,652
+HK$483/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$18,338/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,053
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,366
−HK$318/mo
Today · 4.125%
HK$10,684
baseline
▲ 0.50% · 4.625%
HK$11,334
+HK$650/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,368/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$11,184
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,484
−HK$304/mo
Today · 4.125%
HK$11,788
baseline
▲ 0.50% · 4.625%
HK$12,410
+HK$622/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,576/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).