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$5,562
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,735
−HK$175/mo
Today · 4.125%
HK$5,910
baseline
▲ 0.50% · 4.625%
HK$6,270
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,820/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$6,187
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,353
−HK$168/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,865
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,042/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$6,674
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,882
−HK$210/mo
Today · 4.125%
HK$7,092
baseline
▲ 0.50% · 4.625%
HK$7,524
+HK$432/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$14,184/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,425
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$202/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,238
+HK$412/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$15,652/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,786
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$246/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$504/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$16,548/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,662
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,894
−HK$236/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$481/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$18,260/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,011
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,322
−HK$317/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$647/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,278/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$11,137
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$303/mo
Today · 4.125%
HK$11,739
baseline
▲ 0.50% · 4.625%
HK$12,357
+HK$618/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,478/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).