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$5,584
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,758
−HK$176/mo
Today · 4.125%
HK$5,934
baseline
▲ 0.50% · 4.625%
HK$6,295
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,868/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$6,212
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,379
−HK$169/mo
Today · 4.125%
HK$6,548
baseline
▲ 0.50% · 4.625%
HK$6,893
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,096/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$6,701
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$212/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,554
+HK$433/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,242/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,455
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$202/mo
Today · 4.125%
HK$7,857
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,714/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,818
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,061
−HK$247/mo
Today · 4.125%
HK$8,308
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$505/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$16,616/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,697
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,930
−HK$237/mo
Today · 4.125%
HK$9,167
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$483/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$18,334/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,051
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,364
−HK$318/mo
Today · 4.125%
HK$10,682
baseline
▲ 0.50% · 4.625%
HK$11,331
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,364/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$11,182
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,482
−HK$304/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,407
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,572/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).