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$5,625
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,800
−HK$178/mo
Today · 4.125%
HK$5,978
baseline
▲ 0.50% · 4.625%
HK$6,342
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,956/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$6,258
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$170/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,944
+HK$348/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,192/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$6,751
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,960
−HK$214/mo
Today · 4.125%
HK$7,174
baseline
▲ 0.50% · 4.625%
HK$7,610
+HK$436/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$14,348/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,510
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,711
−HK$205/mo
Today · 4.125%
HK$7,916
baseline
▲ 0.50% · 4.625%
HK$8,333
+HK$417/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$15,832/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,876
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,121
−HK$248/mo
Today · 4.125%
HK$8,369
baseline
▲ 0.50% · 4.625%
HK$8,879
+HK$510/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,738/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,762
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$238/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,722
+HK$487/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,470/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,126
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$320/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,522/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$11,265
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$306/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,499
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,746/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).