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$5,632
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,807
−HK$178/mo
Today · 4.125%
HK$5,985
baseline
▲ 0.50% · 4.625%
HK$6,349
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,970/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$6,265
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,433
−HK$171/mo
Today · 4.125%
HK$6,604
baseline
▲ 0.50% · 4.625%
HK$6,952
+HK$348/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,208/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$6,758
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,968
−HK$214/mo
Today · 4.125%
HK$7,182
baseline
▲ 0.50% · 4.625%
HK$7,619
+HK$437/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$14,364/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,518
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,720
−HK$204/mo
Today · 4.125%
HK$7,924
baseline
▲ 0.50% · 4.625%
HK$8,342
+HK$418/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$15,848/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,884
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,129
−HK$250/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,888
+HK$509/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,758/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,771
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,006
−HK$239/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,732
+HK$487/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,490/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,137
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$320/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,428
+HK$656/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,544/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$11,277
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,580
−HK$306/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,513
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,772/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).