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$5,594
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,768
−HK$177/mo
Today · 4.125%
HK$5,945
baseline
▲ 0.50% · 4.625%
HK$6,306
+HK$361/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,890/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$6,223
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$169/mo
Today · 4.125%
HK$6,559
baseline
▲ 0.50% · 4.625%
HK$6,905
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,118/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$6,713
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,921
−HK$213/mo
Today · 4.125%
HK$7,134
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$434/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$14,268/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,468
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$203/mo
Today · 4.125%
HK$7,871
baseline
▲ 0.50% · 4.625%
HK$8,286
+HK$415/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$15,742/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,831
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,075
−HK$248/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$506/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$16,646/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,712
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$237/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,667
+HK$484/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$18,366/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,069
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,382
−HK$318/mo
Today · 4.125%
HK$10,700
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$652/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,400/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,202
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$305/mo
Today · 4.125%
HK$11,807
baseline
▲ 0.50% · 4.625%
HK$12,429
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,614/mo (50% DSR)
Upfront cash ≈ HK$245K (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).