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$5,577
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,750
−HK$176/mo
Today · 4.125%
HK$5,926
baseline
▲ 0.50% · 4.625%
HK$6,287
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,852/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$6,204
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,370
−HK$169/mo
Today · 4.125%
HK$6,539
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$345/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,078/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$6,692
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,900
−HK$211/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,544
+HK$433/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$14,222/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$7,445
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$203/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$413/mo
Deposit HK$978K · loan HK$1.47M · min. income ≈ HK$15,694/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$7,807
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,050
−HK$247/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,802
+HK$505/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$16,594/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$8,685
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$237/mo
Today · 4.125%
HK$9,155
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$482/mo
Deposit HK$734K · loan HK$1.71M · min. income ≈ HK$18,310/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$10,038
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,350
−HK$317/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$649/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,334/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$11,167
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$304/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$621/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,540/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).