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$5,610
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,784
−HK$177/mo
Today · 4.125%
HK$5,961
baseline
▲ 0.50% · 4.625%
HK$6,324
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,922/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$6,241
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,408
−HK$170/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,925
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,156/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$6,732
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$213/mo
Today · 4.125%
HK$7,154
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$435/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$14,308/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,489
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$203/mo
Today · 4.125%
HK$7,893
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$417/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$15,786/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,854
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,098
−HK$248/mo
Today · 4.125%
HK$8,346
baseline
▲ 0.50% · 4.625%
HK$8,854
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,692/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$8,737
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$238/mo
Today · 4.125%
HK$9,209
baseline
▲ 0.50% · 4.625%
HK$9,694
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,418/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$10,097
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,412
−HK$319/mo
Today · 4.125%
HK$10,731
baseline
▲ 0.50% · 4.625%
HK$11,384
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,462/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$11,233
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,535
−HK$305/mo
Today · 4.125%
HK$11,840
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$624/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,680/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).