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$5,788
−HK$178/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$6,245
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,413
−HK$169/mo
Today · 4.125%
HK$6,582
baseline
▲ 0.50% · 4.625%
HK$6,929
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,164/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$6,736
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,946
−HK$213/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,594
+HK$435/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$7,494
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,695
−HK$204/mo
Today · 4.125%
HK$7,899
baseline
▲ 0.50% · 4.625%
HK$8,315
+HK$416/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$15,798/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$7,859
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$248/mo
Today · 4.125%
HK$8,352
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$508/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$16,704/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$8,743
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,978
−HK$237/mo
Today · 4.125%
HK$9,215
baseline
▲ 0.50% · 4.625%
HK$9,701
+HK$486/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$18,430/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$10,105
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,419
−HK$319/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$654/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,476/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$11,241
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,543
−HK$305/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,473
+HK$625/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,696/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).