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$5,786
−HK$178/mo
Today · 4.125%
HK$5,964
baseline
▲ 0.50% · 4.625%
HK$6,326
+HK$362/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$6,243
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,410
−HK$170/mo
Today · 4.125%
HK$6,580
baseline
▲ 0.50% · 4.625%
HK$6,927
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,160/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$6,734
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,943
−HK$213/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,592
+HK$436/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$14,312/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$7,491
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$204/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$416/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$15,792/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$7,856
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$248/mo
Today · 4.125%
HK$8,349
baseline
▲ 0.50% · 4.625%
HK$8,857
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,698/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$8,740
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$238/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$486/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,424/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$10,101
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,415
−HK$319/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,388
+HK$654/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,468/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$11,237
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$305/mo
Today · 4.125%
HK$11,844
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$625/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,688/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).