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$5,606
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,780
−HK$177/mo
Today · 4.125%
HK$5,957
baseline
▲ 0.50% · 4.625%
HK$6,320
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,914/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$6,236
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,404
−HK$169/mo
Today · 4.125%
HK$6,573
baseline
▲ 0.50% · 4.625%
HK$6,920
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,146/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$6,727
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,936
−HK$213/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,584
+HK$435/mo
Deposit HK$983K · loan HK$1.48M · min. income ≈ HK$14,298/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$7,484
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$204/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,304
+HK$416/mo
Deposit HK$983K · loan HK$1.48M · min. income ≈ HK$15,776/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$7,848
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,092
−HK$248/mo
Today · 4.125%
HK$8,340
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,680/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,731
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$238/mo
Today · 4.125%
HK$9,203
baseline
▲ 0.50% · 4.625%
HK$9,688
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,406/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,090
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$319/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,376
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,446/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$11,225
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$306/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,456
+HK$624/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,664/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).