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$5,573
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,747
−HK$176/mo
Today · 4.125%
HK$5,923
baseline
▲ 0.50% · 4.625%
HK$6,283
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,846/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$6,200
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,367
−HK$168/mo
Today · 4.125%
HK$6,535
baseline
▲ 0.50% · 4.625%
HK$6,880
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,070/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$6,688
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,896
−HK$211/mo
Today · 4.125%
HK$7,107
baseline
▲ 0.50% · 4.625%
HK$7,540
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,214/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$7,440
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,640
−HK$202/mo
Today · 4.125%
HK$7,842
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$414/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,684/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$7,803
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,045
−HK$247/mo
Today · 4.125%
HK$8,292
baseline
▲ 0.50% · 4.625%
HK$8,797
+HK$505/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,584/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$8,680
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,913
−HK$236/mo
Today · 4.125%
HK$9,149
baseline
▲ 0.50% · 4.625%
HK$9,632
+HK$483/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,298/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$10,032
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,344
−HK$317/mo
Today · 4.125%
HK$10,661
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$649/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,322/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$11,160
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$303/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$621/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,526/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).