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$5,631
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,806
−HK$178/mo
Today · 4.125%
HK$5,984
baseline
▲ 0.50% · 4.625%
HK$6,348
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,968/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$6,264
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,432
−HK$170/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$6,951
+HK$349/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,204/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$6,757
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,967
−HK$213/mo
Today · 4.125%
HK$7,180
baseline
▲ 0.50% · 4.625%
HK$7,617
+HK$437/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$14,360/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,517
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,718
−HK$205/mo
Today · 4.125%
HK$7,923
baseline
▲ 0.50% · 4.625%
HK$8,341
+HK$418/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$15,846/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,883
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$249/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,887
+HK$510/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,754/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,770
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$238/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,731
+HK$488/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,486/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,135
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$321/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,542/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,275
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$306/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,768/mo (50% DSR)
Upfront cash ≈ HK$247K (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).