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$5,597
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,771
−HK$177/mo
Today · 4.125%
HK$5,948
baseline
▲ 0.50% · 4.625%
HK$6,310
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,896/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$6,227
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,394
−HK$169/mo
Today · 4.125%
HK$6,563
baseline
▲ 0.50% · 4.625%
HK$6,909
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,126/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$6,716
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,925
−HK$213/mo
Today · 4.125%
HK$7,138
baseline
▲ 0.50% · 4.625%
HK$7,572
+HK$434/mo
Deposit HK$982K · loan HK$1.47M · min. income ≈ HK$14,276/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,472
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,672
−HK$204/mo
Today · 4.125%
HK$7,876
baseline
▲ 0.50% · 4.625%
HK$8,291
+HK$415/mo
Deposit HK$982K · loan HK$1.47M · min. income ≈ HK$15,752/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,836
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$247/mo
Today · 4.125%
HK$8,327
baseline
▲ 0.50% · 4.625%
HK$8,834
+HK$507/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$16,654/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,717
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$237/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$485/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$18,376/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,075
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$318/mo
Today · 4.125%
HK$10,706
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$652/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,412/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$11,208
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$305/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$623/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,626/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).