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$5,580
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$177/mo
Today · 4.125%
HK$5,930
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,860/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$6,207
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,374
−HK$169/mo
Today · 4.125%
HK$6,543
baseline
▲ 0.50% · 4.625%
HK$6,888
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,086/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$6,696
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,904
−HK$212/mo
Today · 4.125%
HK$7,116
baseline
▲ 0.50% · 4.625%
HK$7,549
+HK$433/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,232/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,449
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,649
−HK$202/mo
Today · 4.125%
HK$7,851
baseline
▲ 0.50% · 4.625%
HK$8,265
+HK$414/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,702/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,812
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,055
−HK$246/mo
Today · 4.125%
HK$8,301
baseline
▲ 0.50% · 4.625%
HK$8,807
+HK$506/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,602/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$8,690
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$237/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,643
+HK$483/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,320/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$10,044
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,356
−HK$317/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$650/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,346/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$11,173
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$304/mo
Today · 4.125%
HK$11,777
baseline
▲ 0.50% · 4.625%
HK$12,398
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,554/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).