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$5,578
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,751
−HK$177/mo
Today · 4.125%
HK$5,928
baseline
▲ 0.50% · 4.625%
HK$6,288
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,856/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$6,205
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$169/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,885
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,082/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$6,693
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$211/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,546
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,226/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$7,446
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,646
−HK$203/mo
Today · 4.125%
HK$7,849
baseline
▲ 0.50% · 4.625%
HK$8,262
+HK$413/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,698/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$7,809
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,052
−HK$247/mo
Today · 4.125%
HK$8,299
baseline
▲ 0.50% · 4.625%
HK$8,804
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,598/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$8,687
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,920
−HK$237/mo
Today · 4.125%
HK$9,157
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$482/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,314/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$10,040
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$318/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,319
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,340/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$11,170
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$304/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,546/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).