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$5,618
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,793
−HK$178/mo
Today · 4.125%
HK$5,971
baseline
▲ 0.50% · 4.625%
HK$6,334
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,942/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$6,250
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,418
−HK$170/mo
Today · 4.125%
HK$6,588
baseline
▲ 0.50% · 4.625%
HK$6,935
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,176/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$6,742
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,952
−HK$213/mo
Today · 4.125%
HK$7,165
baseline
▲ 0.50% · 4.625%
HK$7,601
+HK$436/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$14,330/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,500
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,702
−HK$204/mo
Today · 4.125%
HK$7,906
baseline
▲ 0.50% · 4.625%
HK$8,322
+HK$416/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$15,812/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,866
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,110
−HK$249/mo
Today · 4.125%
HK$8,359
baseline
▲ 0.50% · 4.625%
HK$8,868
+HK$509/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$16,718/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$8,750
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$238/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,709
+HK$486/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$18,446/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$10,113
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$319/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,401
+HK$654/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,494/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$11,251
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$306/mo
Today · 4.125%
HK$11,858
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$626/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,716/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).