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$5,616
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,791
−HK$178/mo
Today · 4.125%
HK$5,969
baseline
▲ 0.50% · 4.625%
HK$6,332
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,938/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$6,248
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,416
−HK$170/mo
Today · 4.125%
HK$6,586
baseline
▲ 0.50% · 4.625%
HK$6,933
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,172/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$6,740
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,949
−HK$213/mo
Today · 4.125%
HK$7,162
baseline
▲ 0.50% · 4.625%
HK$7,598
+HK$436/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$14,324/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$7,498
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$204/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,320
+HK$417/mo
Deposit HK$985K · loan HK$1.48M · min. income ≈ HK$15,806/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$7,863
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,108
−HK$248/mo
Today · 4.125%
HK$8,356
baseline
▲ 0.50% · 4.625%
HK$8,865
+HK$509/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$16,712/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$8,748
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,982
−HK$238/mo
Today · 4.125%
HK$9,220
baseline
▲ 0.50% · 4.625%
HK$9,706
+HK$486/mo
Deposit HK$739K · loan HK$1.72M · min. income ≈ HK$18,440/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$10,110
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$320/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$653/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,488/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$11,247
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$306/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$624/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,710/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).