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$5,624
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,799
−HK$178/mo
Today · 4.125%
HK$5,977
baseline
▲ 0.50% · 4.625%
HK$6,340
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,954/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$6,257
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,424
−HK$171/mo
Today · 4.125%
HK$6,595
baseline
▲ 0.50% · 4.625%
HK$6,942
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,190/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$6,749
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,959
−HK$213/mo
Today · 4.125%
HK$7,172
baseline
▲ 0.50% · 4.625%
HK$7,608
+HK$436/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$14,344/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$7,508
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,709
−HK$205/mo
Today · 4.125%
HK$7,914
baseline
▲ 0.50% · 4.625%
HK$8,331
+HK$417/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$15,828/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$7,874
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$248/mo
Today · 4.125%
HK$8,367
baseline
▲ 0.50% · 4.625%
HK$8,876
+HK$509/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,734/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$8,759
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$239/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,719
+HK$486/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,466/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$10,123
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$320/mo
Today · 4.125%
HK$10,758
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,516/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$11,262
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$306/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,496
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,740/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).