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$5,557
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,730
−HK$175/mo
Today · 4.125%
HK$5,905
baseline
▲ 0.50% · 4.625%
HK$6,265
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,810/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$6,182
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,348
−HK$168/mo
Today · 4.125%
HK$6,516
baseline
▲ 0.50% · 4.625%
HK$6,860
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,032/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$6,668
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,876
−HK$211/mo
Today · 4.125%
HK$7,087
baseline
▲ 0.50% · 4.625%
HK$7,518
+HK$431/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$14,174/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,419
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$202/mo
Today · 4.125%
HK$7,819
baseline
▲ 0.50% · 4.625%
HK$8,231
+HK$412/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$15,638/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,780
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,022
−HK$246/mo
Today · 4.125%
HK$8,268
baseline
▲ 0.50% · 4.625%
HK$8,771
+HK$503/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$16,536/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,655
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,887
−HK$236/mo
Today · 4.125%
HK$9,123
baseline
▲ 0.50% · 4.625%
HK$9,603
+HK$480/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$18,246/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,003
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$316/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$647/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,260/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$11,128
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,426
−HK$303/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,347
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,458/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).