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$353/mo
▼ 0.25% · 3.875%
HK$5,789
−HK$178/mo
Today · 4.125%
HK$5,967
baseline
▲ 0.50% · 4.625%
HK$6,330
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,934/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$6,414
−HK$169/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$423/mo
▼ 0.25% · 3.875%
HK$6,947
−HK$213/mo
Today · 4.125%
HK$7,160
baseline
▲ 0.50% · 4.625%
HK$7,595
+HK$435/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$14,320/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$8,317
+HK$417/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$8,105
−HK$248/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$473/mo
▼ 0.25% · 3.875%
HK$8,979
−HK$238/mo
Today · 4.125%
HK$9,217
baseline
▲ 0.50% · 4.625%
HK$9,703
+HK$486/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$18,434/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$634/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$320/mo
Today · 4.125%
HK$10,740
baseline
▲ 0.50% · 4.625%
HK$11,393
+HK$653/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,480/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$11,243
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$306/mo
Today · 4.125%
HK$11,850
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$625/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).