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$5,625
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,799
−HK$178/mo
Today · 4.125%
HK$5,977
baseline
▲ 0.50% · 4.625%
HK$6,341
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,954/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$6,257
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,425
−HK$170/mo
Today · 4.125%
HK$6,595
baseline
▲ 0.50% · 4.625%
HK$6,943
+HK$348/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,190/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$6,749
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,959
−HK$214/mo
Today · 4.125%
HK$7,173
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$436/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$14,346/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,509
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,710
−HK$204/mo
Today · 4.125%
HK$7,914
baseline
▲ 0.50% · 4.625%
HK$8,332
+HK$418/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$15,828/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,874
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$249/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$509/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,736/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,760
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,995
−HK$238/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$487/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,466/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,124
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$320/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,414
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,518/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$11,263
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$307/mo
Today · 4.125%
HK$11,872
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$625/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,744/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).