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$5,629
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,804
−HK$178/mo
Today · 4.125%
HK$5,982
baseline
▲ 0.50% · 4.625%
HK$6,346
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,964/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$6,263
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,431
−HK$170/mo
Today · 4.125%
HK$6,601
baseline
▲ 0.50% · 4.625%
HK$6,949
+HK$348/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,202/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$6,755
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,965
−HK$214/mo
Today · 4.125%
HK$7,179
baseline
▲ 0.50% · 4.625%
HK$7,616
+HK$437/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$14,358/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$7,515
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,717
−HK$204/mo
Today · 4.125%
HK$7,921
baseline
▲ 0.50% · 4.625%
HK$8,339
+HK$418/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$15,842/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$7,881
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,126
−HK$249/mo
Today · 4.125%
HK$8,375
baseline
▲ 0.50% · 4.625%
HK$8,885
+HK$510/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,750/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$8,768
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$238/mo
Today · 4.125%
HK$9,241
baseline
▲ 0.50% · 4.625%
HK$9,728
+HK$487/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,482/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$10,133
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,448
−HK$320/mo
Today · 4.125%
HK$10,768
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,536/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$11,273
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,575
−HK$307/mo
Today · 4.125%
HK$11,882
baseline
▲ 0.50% · 4.625%
HK$12,508
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,764/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).