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$5,625
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,800
−HK$177/mo
Today · 4.125%
HK$5,977
baseline
▲ 0.50% · 4.625%
HK$6,341
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,954/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$6,257
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,425
−HK$171/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,943
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,192/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$6,750
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,960
−HK$213/mo
Today · 4.125%
HK$7,173
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$436/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$14,346/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,509
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,710
−HK$205/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,332
+HK$417/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$15,830/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,875
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,120
−HK$248/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$510/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,736/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,760
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,995
−HK$239/mo
Today · 4.125%
HK$9,234
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$486/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,468/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,125
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$320/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,414
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,518/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,263
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$307/mo
Today · 4.125%
HK$11,872
baseline
▲ 0.50% · 4.625%
HK$12,498
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,744/mo (50% DSR)
Upfront cash ≈ HK$247K (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).