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$5,571
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,745
−HK$176/mo
Today · 4.125%
HK$5,921
baseline
▲ 0.50% · 4.625%
HK$6,281
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,842/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$6,198
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,364
−HK$169/mo
Today · 4.125%
HK$6,533
baseline
▲ 0.50% · 4.625%
HK$6,877
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,066/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$6,686
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$211/mo
Today · 4.125%
HK$7,105
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$432/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$14,210/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$7,438
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$202/mo
Today · 4.125%
HK$7,839
baseline
▲ 0.50% · 4.625%
HK$8,253
+HK$414/mo
Deposit HK$977K · loan HK$1.47M · min. income ≈ HK$15,678/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$7,800
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$247/mo
Today · 4.125%
HK$8,289
baseline
▲ 0.50% · 4.625%
HK$8,793
+HK$504/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$16,578/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$8,677
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,910
−HK$236/mo
Today · 4.125%
HK$9,146
baseline
▲ 0.50% · 4.625%
HK$9,628
+HK$482/mo
Deposit HK$733K · loan HK$1.71M · min. income ≈ HK$18,292/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$10,028
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,340
−HK$317/mo
Today · 4.125%
HK$10,657
baseline
▲ 0.50% · 4.625%
HK$11,306
+HK$649/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,314/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$11,156
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,456
−HK$303/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,379
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,518/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).