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$5,607
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,781
−HK$177/mo
Today · 4.125%
HK$5,958
baseline
▲ 0.50% · 4.625%
HK$6,321
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,916/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$6,237
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,405
−HK$169/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,921
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,148/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$6,728
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$213/mo
Today · 4.125%
HK$7,150
baseline
▲ 0.50% · 4.625%
HK$7,585
+HK$435/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$14,300/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$7,485
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$204/mo
Today · 4.125%
HK$7,889
baseline
▲ 0.50% · 4.625%
HK$8,305
+HK$416/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$15,778/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$7,849
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,093
−HK$248/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,849
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,682/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$8,732
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,966
−HK$238/mo
Today · 4.125%
HK$9,204
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,408/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$10,092
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,406
−HK$319/mo
Today · 4.125%
HK$10,725
baseline
▲ 0.50% · 4.625%
HK$11,377
+HK$652/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,450/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$11,227
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$306/mo
Today · 4.125%
HK$11,834
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$623/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,668/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).