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$5,579
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$176/mo
Today · 4.125%
HK$5,929
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,858/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$335/mo
▼ 0.25% · 3.875%
HK$6,373
−HK$169/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,887
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,084/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$6,695
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,903
−HK$212/mo
Today · 4.125%
HK$7,115
baseline
▲ 0.50% · 4.625%
HK$7,547
+HK$432/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,230/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$7,448
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$202/mo
Today · 4.125%
HK$7,850
baseline
▲ 0.50% · 4.625%
HK$8,264
+HK$414/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,700/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$7,811
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,054
−HK$246/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,805
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,600/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$8,689
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$237/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,641
+HK$482/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,318/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$10,042
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$317/mo
Today · 4.125%
HK$10,672
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,344/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$11,172
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$304/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,396
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,550/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).