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$5,752
−HK$176/mo
Today · 4.125%
HK$5,928
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$361/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$6,206
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$169/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,886
+HK$345/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$6,694
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$212/mo
Today · 4.125%
HK$7,114
baseline
▲ 0.50% · 4.625%
HK$7,546
+HK$432/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,228/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$7,447
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,646
−HK$203/mo
Today · 4.125%
HK$7,849
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$414/mo
Deposit HK$979K · 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$8,688
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$236/mo
Today · 4.125%
HK$9,157
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$483/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$10,041
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$317/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$650/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$604/mo
▼ 0.25% · 3.875%
HK$11,470
−HK$304/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$620/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,548/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).