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$5,614
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,789
−HK$177/mo
Today · 4.125%
HK$5,966
baseline
▲ 0.50% · 4.625%
HK$6,329
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,932/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$6,246
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,413
−HK$170/mo
Today · 4.125%
HK$6,583
baseline
▲ 0.50% · 4.625%
HK$6,930
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,166/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$6,737
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,947
−HK$212/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,595
+HK$436/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$14,318/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$7,495
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,696
−HK$204/mo
Today · 4.125%
HK$7,900
baseline
▲ 0.50% · 4.625%
HK$8,316
+HK$416/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$15,800/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$7,860
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$249/mo
Today · 4.125%
HK$8,353
baseline
▲ 0.50% · 4.625%
HK$8,861
+HK$508/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$16,706/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,744
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,979
−HK$237/mo
Today · 4.125%
HK$9,216
baseline
▲ 0.50% · 4.625%
HK$9,702
+HK$486/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$18,432/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,106
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$319/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,393
+HK$654/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,478/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$11,242
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$306/mo
Today · 4.125%
HK$11,850
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$624/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,700/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).