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$349/mo
▼ 0.25% · 3.875%
HK$5,749
−HK$176/mo
Today · 4.125%
HK$5,925
baseline
▲ 0.50% · 4.625%
HK$6,286
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,850/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$335/mo
▼ 0.25% · 3.875%
HK$6,369
−HK$169/mo
Today · 4.125%
HK$6,538
baseline
▲ 0.50% · 4.625%
HK$6,882
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,076/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$419/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$211/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,220/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$7,443
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,643
−HK$202/mo
Today · 4.125%
HK$7,845
baseline
▲ 0.50% · 4.625%
HK$8,259
+HK$414/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,690/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$7,806
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$246/mo
Today · 4.125%
HK$8,295
baseline
▲ 0.50% · 4.625%
HK$8,800
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,590/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$8,684
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,917
−HK$236/mo
Today · 4.125%
HK$9,153
baseline
▲ 0.50% · 4.625%
HK$9,635
+HK$482/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,306/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$10,036
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$317/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,330/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$11,165
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$304/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$620/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,536/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).