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$5,571
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,744
−HK$176/mo
Today · 4.125%
HK$5,920
baseline
▲ 0.50% · 4.625%
HK$6,280
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,840/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$6,197
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,363
−HK$169/mo
Today · 4.125%
HK$6,532
baseline
▲ 0.50% · 4.625%
HK$6,876
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,064/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$6,685
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$211/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,536
+HK$432/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$14,208/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,437
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$202/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$414/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$15,676/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,799
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,041
−HK$247/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,792
+HK$504/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,576/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,676
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$236/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$482/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,290/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,027
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$317/mo
Today · 4.125%
HK$10,656
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$648/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,312/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$11,155
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$304/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$619/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,516/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).