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$5,592
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,766
−HK$177/mo
Today · 4.125%
HK$5,943
baseline
▲ 0.50% · 4.625%
HK$6,305
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,886/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$6,222
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,388
−HK$170/mo
Today · 4.125%
HK$6,558
baseline
▲ 0.50% · 4.625%
HK$6,903
+HK$345/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,116/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$6,711
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$212/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,566
+HK$434/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$14,264/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$7,466
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,666
−HK$203/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,284
+HK$415/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$15,738/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$7,829
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,073
−HK$247/mo
Today · 4.125%
HK$8,320
baseline
▲ 0.50% · 4.625%
HK$8,827
+HK$507/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$16,640/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$8,710
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,944
−HK$237/mo
Today · 4.125%
HK$9,181
baseline
▲ 0.50% · 4.625%
HK$9,665
+HK$484/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$18,362/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$10,066
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,380
−HK$318/mo
Today · 4.125%
HK$10,698
baseline
▲ 0.50% · 4.625%
HK$11,349
+HK$651/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,396/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$11,199
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$305/mo
Today · 4.125%
HK$11,804
baseline
▲ 0.50% · 4.625%
HK$12,426
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,608/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).