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$5,626
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,801
−HK$178/mo
Today · 4.125%
HK$5,979
baseline
▲ 0.50% · 4.625%
HK$6,343
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,958/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$6,259
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,427
−HK$171/mo
Today · 4.125%
HK$6,598
baseline
▲ 0.50% · 4.625%
HK$6,945
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,196/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$6,752
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,962
−HK$213/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,612
+HK$437/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$14,350/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$7,511
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,713
−HK$204/mo
Today · 4.125%
HK$7,917
baseline
▲ 0.50% · 4.625%
HK$8,334
+HK$417/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$15,834/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$7,877
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$249/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,880
+HK$509/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,742/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$8,763
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$239/mo
Today · 4.125%
HK$9,237
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$486/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,474/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$10,128
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$320/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,418
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,526/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$11,267
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,569
−HK$307/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,502
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,752/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).