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$5,590
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,764
−HK$177/mo
Today · 4.125%
HK$5,941
baseline
▲ 0.50% · 4.625%
HK$6,302
+HK$361/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,882/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$6,219
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$169/mo
Today · 4.125%
HK$6,555
baseline
▲ 0.50% · 4.625%
HK$6,900
+HK$345/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,110/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$6,708
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,917
−HK$212/mo
Today · 4.125%
HK$7,129
baseline
▲ 0.50% · 4.625%
HK$7,563
+HK$434/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$14,258/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$7,463
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$203/mo
Today · 4.125%
HK$7,866
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$415/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$15,732/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$7,826
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,070
−HK$247/mo
Today · 4.125%
HK$8,317
baseline
▲ 0.50% · 4.625%
HK$8,823
+HK$506/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$16,634/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$8,707
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,940
−HK$237/mo
Today · 4.125%
HK$9,177
baseline
▲ 0.50% · 4.625%
HK$9,661
+HK$484/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$18,354/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$10,062
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,375
−HK$318/mo
Today · 4.125%
HK$10,693
baseline
▲ 0.50% · 4.625%
HK$11,344
+HK$651/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,386/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$11,194
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$305/mo
Today · 4.125%
HK$11,799
baseline
▲ 0.50% · 4.625%
HK$12,421
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,598/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).