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$5,610
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,785
−HK$177/mo
Today · 4.125%
HK$5,962
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,924/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$6,241
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,409
−HK$170/mo
Today · 4.125%
HK$6,579
baseline
▲ 0.50% · 4.625%
HK$6,925
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,158/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$6,732
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,942
−HK$212/mo
Today · 4.125%
HK$7,154
baseline
▲ 0.50% · 4.625%
HK$7,590
+HK$436/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$14,308/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$7,490
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$204/mo
Today · 4.125%
HK$7,894
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$416/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$15,788/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$7,854
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$248/mo
Today · 4.125%
HK$8,347
baseline
▲ 0.50% · 4.625%
HK$8,855
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,694/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$8,738
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,972
−HK$238/mo
Today · 4.125%
HK$9,210
baseline
▲ 0.50% · 4.625%
HK$9,695
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,420/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$10,098
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,412
−HK$320/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,385
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,464/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$11,234
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$305/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,465
+HK$624/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,682/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).