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$5,565
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,738
−HK$176/mo
Today · 4.125%
HK$5,914
baseline
▲ 0.50% · 4.625%
HK$6,274
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,828/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$6,191
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,357
−HK$169/mo
Today · 4.125%
HK$6,526
baseline
▲ 0.50% · 4.625%
HK$6,870
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,052/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$6,678
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,886
−HK$211/mo
Today · 4.125%
HK$7,097
baseline
▲ 0.50% · 4.625%
HK$7,529
+HK$432/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$14,194/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,429
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,629
−HK$202/mo
Today · 4.125%
HK$7,831
baseline
▲ 0.50% · 4.625%
HK$8,244
+HK$413/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$15,662/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,791
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$246/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$504/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$16,560/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,668
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$236/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$482/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$18,272/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,017
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$317/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,293
+HK$647/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,292/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$11,144
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$303/mo
Today · 4.125%
HK$11,746
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$619/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,492/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).