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$5,569
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,742
−HK$176/mo
Today · 4.125%
HK$5,918
baseline
▲ 0.50% · 4.625%
HK$6,278
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,836/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$6,195
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,361
−HK$169/mo
Today · 4.125%
HK$6,530
baseline
▲ 0.50% · 4.625%
HK$6,874
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,060/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$6,682
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,890
−HK$211/mo
Today · 4.125%
HK$7,101
baseline
▲ 0.50% · 4.625%
HK$7,533
+HK$432/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$14,202/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,434
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,633
−HK$203/mo
Today · 4.125%
HK$7,836
baseline
▲ 0.50% · 4.625%
HK$8,249
+HK$413/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$15,672/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,796
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,039
−HK$246/mo
Today · 4.125%
HK$8,285
baseline
▲ 0.50% · 4.625%
HK$8,789
+HK$504/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,570/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$8,673
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$236/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$481/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,284/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$10,023
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$317/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$648/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,304/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$11,151
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$303/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,373
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,506/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).