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$5,612
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,787
−HK$177/mo
Today · 4.125%
HK$5,964
baseline
▲ 0.50% · 4.625%
HK$6,327
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,928/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$6,244
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,411
−HK$170/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,928
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,162/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$6,735
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,944
−HK$213/mo
Today · 4.125%
HK$7,157
baseline
▲ 0.50% · 4.625%
HK$7,593
+HK$436/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$14,314/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,493
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,693
−HK$204/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,314
+HK$417/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$15,794/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,857
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$248/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,858
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,700/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$8,741
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,976
−HK$238/mo
Today · 4.125%
HK$9,214
baseline
▲ 0.50% · 4.625%
HK$9,699
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,428/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$10,102
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$319/mo
Today · 4.125%
HK$10,736
baseline
▲ 0.50% · 4.625%
HK$11,389
+HK$653/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,472/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$11,239
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,540
−HK$306/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,470
+HK$624/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,692/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).