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$5,544
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,717
−HK$175/mo
Today · 4.125%
HK$5,892
baseline
▲ 0.50% · 4.625%
HK$6,251
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,784/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$6,168
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,334
−HK$167/mo
Today · 4.125%
HK$6,501
baseline
▲ 0.50% · 4.625%
HK$6,844
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,002/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$6,653
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,860
−HK$211/mo
Today · 4.125%
HK$7,071
baseline
▲ 0.50% · 4.625%
HK$7,501
+HK$430/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$14,142/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,402
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$202/mo
Today · 4.125%
HK$7,802
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$411/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$15,604/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,762
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$245/mo
Today · 4.125%
HK$8,249
baseline
▲ 0.50% · 4.625%
HK$8,751
+HK$502/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,498/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,635
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$235/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$480/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,204/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,980
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,291
−HK$315/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,251
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,212/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$11,103
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$302/mo
Today · 4.125%
HK$11,703
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,406/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).