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$5,618
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,792
−HK$178/mo
Today · 4.125%
HK$5,970
baseline
▲ 0.50% · 4.625%
HK$6,333
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,940/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$6,249
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,417
−HK$170/mo
Today · 4.125%
HK$6,587
baseline
▲ 0.50% · 4.625%
HK$6,934
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,174/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$6,741
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,951
−HK$213/mo
Today · 4.125%
HK$7,164
baseline
▲ 0.50% · 4.625%
HK$7,600
+HK$436/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$14,328/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$7,499
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,701
−HK$204/mo
Today · 4.125%
HK$7,905
baseline
▲ 0.50% · 4.625%
HK$8,321
+HK$416/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$15,810/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$7,865
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,109
−HK$249/mo
Today · 4.125%
HK$8,358
baseline
▲ 0.50% · 4.625%
HK$8,866
+HK$508/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$16,716/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,749
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$238/mo
Today · 4.125%
HK$9,222
baseline
▲ 0.50% · 4.625%
HK$9,708
+HK$486/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$18,444/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,112
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$320/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$654/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,492/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$11,249
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,551
−HK$306/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$625/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,714/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).