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$5,576
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,750
−HK$176/mo
Today · 4.125%
HK$5,926
baseline
▲ 0.50% · 4.625%
HK$6,286
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,852/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$6,203
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,370
−HK$169/mo
Today · 4.125%
HK$6,539
baseline
▲ 0.50% · 4.625%
HK$6,883
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,078/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$6,691
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,900
−HK$211/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,544
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,222/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,444
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$202/mo
Today · 4.125%
HK$7,846
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$414/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,692/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,807
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$247/mo
Today · 4.125%
HK$8,296
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,592/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$8,685
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$236/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$483/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,308/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$10,037
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$317/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$650/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,332/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$11,166
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$303/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,390
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,538/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).