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$5,586
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,759
−HK$177/mo
Today · 4.125%
HK$5,936
baseline
▲ 0.50% · 4.625%
HK$6,297
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,872/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$6,214
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$169/mo
Today · 4.125%
HK$6,550
baseline
▲ 0.50% · 4.625%
HK$6,895
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,100/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$6,703
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,911
−HK$212/mo
Today · 4.125%
HK$7,123
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$434/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,246/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$7,457
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$203/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,720/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$7,820
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$247/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,816
+HK$506/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$16,620/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$8,700
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$237/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,653
+HK$483/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$18,340/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$10,054
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,367
−HK$318/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$650/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,370/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$11,185
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$305/mo
Today · 4.125%
HK$11,790
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,580/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).