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$5,587
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,761
−HK$177/mo
Today · 4.125%
HK$5,938
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$361/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,876/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,216
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$170/mo
Today · 4.125%
HK$6,552
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$345/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,104/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,705
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,913
−HK$212/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,559
+HK$434/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,250/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,459
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$203/mo
Today · 4.125%
HK$7,862
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,724/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,822
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$248/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$505/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$16,626/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,702
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$237/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$484/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$18,344/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,057
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,370
−HK$318/mo
Today · 4.125%
HK$10,688
baseline
▲ 0.50% · 4.625%
HK$11,338
+HK$650/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,376/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$11,188
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,488
−HK$305/mo
Today · 4.125%
HK$11,793
baseline
▲ 0.50% · 4.625%
HK$12,414
+HK$621/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,586/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).