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$5,608
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,783
−HK$177/mo
Today · 4.125%
HK$5,960
baseline
▲ 0.50% · 4.625%
HK$6,323
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,920/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$6,239
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$169/mo
Today · 4.125%
HK$6,576
baseline
▲ 0.50% · 4.625%
HK$6,923
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,152/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$6,730
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,939
−HK$213/mo
Today · 4.125%
HK$7,152
baseline
▲ 0.50% · 4.625%
HK$7,587
+HK$435/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$14,304/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$7,487
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,688
−HK$204/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,308
+HK$416/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$15,784/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$7,852
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$248/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,688/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$8,735
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,969
−HK$238/mo
Today · 4.125%
HK$9,207
baseline
▲ 0.50% · 4.625%
HK$9,692
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,414/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$10,095
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,409
−HK$319/mo
Today · 4.125%
HK$10,728
baseline
▲ 0.50% · 4.625%
HK$11,381
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,456/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$11,231
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$306/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,462
+HK$624/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,676/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).