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$5,604
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,779
−HK$177/mo
Today · 4.125%
HK$5,956
baseline
▲ 0.50% · 4.625%
HK$6,318
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,912/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$6,235
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,402
−HK$170/mo
Today · 4.125%
HK$6,572
baseline
▲ 0.50% · 4.625%
HK$6,918
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,144/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$6,725
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$213/mo
Today · 4.125%
HK$7,147
baseline
▲ 0.50% · 4.625%
HK$7,582
+HK$435/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$14,294/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,482
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$204/mo
Today · 4.125%
HK$7,886
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$416/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$15,772/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,846
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,090
−HK$248/mo
Today · 4.125%
HK$8,338
baseline
▲ 0.50% · 4.625%
HK$8,845
+HK$507/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$16,676/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,729
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$237/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,685
+HK$485/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$18,400/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,088
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$318/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,440/mo (50% DSR)
Upfront cash ≈ HK$246K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,223
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$305/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,452
+HK$623/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,658/mo (50% DSR)
Upfront cash ≈ HK$246K (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).