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$5,612
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,786
−HK$178/mo
Today · 4.125%
HK$5,964
baseline
▲ 0.50% · 4.625%
HK$6,327
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,928/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$6,243
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,411
−HK$169/mo
Today · 4.125%
HK$6,580
baseline
▲ 0.50% · 4.625%
HK$6,927
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,160/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$6,734
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,944
−HK$213/mo
Today · 4.125%
HK$7,157
baseline
▲ 0.50% · 4.625%
HK$7,592
+HK$435/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$14,314/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$7,492
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,693
−HK$204/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,313
+HK$416/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$15,794/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$7,857
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$248/mo
Today · 4.125%
HK$8,349
baseline
▲ 0.50% · 4.625%
HK$8,857
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,698/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$8,740
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,975
−HK$238/mo
Today · 4.125%
HK$9,213
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,426/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$10,101
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,416
−HK$319/mo
Today · 4.125%
HK$10,735
baseline
▲ 0.50% · 4.625%
HK$11,388
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,470/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$11,238
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$306/mo
Today · 4.125%
HK$11,845
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$624/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,690/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).