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$5,589
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,763
−HK$177/mo
Today · 4.125%
HK$5,940
baseline
▲ 0.50% · 4.625%
HK$6,301
+HK$361/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,880/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$6,218
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,385
−HK$169/mo
Today · 4.125%
HK$6,554
baseline
▲ 0.50% · 4.625%
HK$6,899
+HK$345/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,108/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$6,707
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,916
−HK$212/mo
Today · 4.125%
HK$7,128
baseline
▲ 0.50% · 4.625%
HK$7,561
+HK$433/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,256/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,461
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,662
−HK$203/mo
Today · 4.125%
HK$7,865
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,730/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,825
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$247/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$506/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$16,630/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,705
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$237/mo
Today · 4.125%
HK$9,175
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$484/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$18,350/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,060
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$318/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,342
+HK$651/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,382/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,192
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$305/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,594/mo (50% DSR)
Upfront cash ≈ HK$245K (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).