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$5,575
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$176/mo
Today · 4.125%
HK$5,924
baseline
▲ 0.50% · 4.625%
HK$6,285
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,848/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$6,202
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,368
−HK$169/mo
Today · 4.125%
HK$6,537
baseline
▲ 0.50% · 4.625%
HK$6,881
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,074/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$6,690
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$211/mo
Today · 4.125%
HK$7,109
baseline
▲ 0.50% · 4.625%
HK$7,542
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,218/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$7,442
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,642
−HK$202/mo
Today · 4.125%
HK$7,844
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$414/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,688/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$7,805
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$247/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$505/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,588/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$8,682
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$237/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$482/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,304/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$10,034
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$317/mo
Today · 4.125%
HK$10,664
baseline
▲ 0.50% · 4.625%
HK$11,313
+HK$649/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,328/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$11,163
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,463
−HK$303/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,387
+HK$621/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,532/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).