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$5,542
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,715
−HK$175/mo
Today · 4.125%
HK$5,890
baseline
▲ 0.50% · 4.625%
HK$6,248
+HK$358/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,780/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$6,166
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,331
−HK$168/mo
Today · 4.125%
HK$6,499
baseline
▲ 0.50% · 4.625%
HK$6,842
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$12,998/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$6,651
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$210/mo
Today · 4.125%
HK$7,068
baseline
▲ 0.50% · 4.625%
HK$7,498
+HK$430/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$14,136/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,399
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,597
−HK$202/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,210
+HK$411/mo
Deposit HK$972K · loan HK$1.46M · min. income ≈ HK$15,598/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,759
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,001
−HK$245/mo
Today · 4.125%
HK$8,246
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$502/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,492/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,632
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,864
−HK$235/mo
Today · 4.125%
HK$9,099
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$479/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,198/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,976
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$315/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,247
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,204/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,099
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$302/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,315
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,396/mo (50% DSR)
Upfront cash ≈ HK$243K (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).