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$5,623
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,798
−HK$177/mo
Today · 4.125%
HK$5,975
baseline
▲ 0.50% · 4.625%
HK$6,339
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,950/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$6,255
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,423
−HK$170/mo
Today · 4.125%
HK$6,593
baseline
▲ 0.50% · 4.625%
HK$6,941
+HK$348/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,186/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$6,747
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,957
−HK$214/mo
Today · 4.125%
HK$7,171
baseline
▲ 0.50% · 4.625%
HK$7,607
+HK$436/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$14,342/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,506
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$204/mo
Today · 4.125%
HK$7,912
baseline
▲ 0.50% · 4.625%
HK$8,329
+HK$417/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$15,824/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,872
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,117
−HK$249/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$509/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,732/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$8,758
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$239/mo
Today · 4.125%
HK$9,231
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$486/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,462/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$10,121
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$320/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$654/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,512/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$11,260
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$306/mo
Today · 4.125%
HK$11,868
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,736/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).