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$5,616
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,790
−HK$178/mo
Today · 4.125%
HK$5,968
baseline
▲ 0.50% · 4.625%
HK$6,331
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,936/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$6,247
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,415
−HK$170/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,932
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,170/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$6,739
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$213/mo
Today · 4.125%
HK$7,161
baseline
▲ 0.50% · 4.625%
HK$7,597
+HK$436/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$14,322/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$7,497
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,698
−HK$204/mo
Today · 4.125%
HK$7,902
baseline
▲ 0.50% · 4.625%
HK$8,318
+HK$416/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$15,804/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$7,862
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$249/mo
Today · 4.125%
HK$8,355
baseline
▲ 0.50% · 4.625%
HK$8,863
+HK$508/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$16,710/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$8,746
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$238/mo
Today · 4.125%
HK$9,219
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$486/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$18,438/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$10,108
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,422
−HK$320/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$653/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,484/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$11,245
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$305/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$625/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,704/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).