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$5,599
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,773
−HK$177/mo
Today · 4.125%
HK$5,950
baseline
▲ 0.50% · 4.625%
HK$6,312
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,900/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$6,229
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,396
−HK$170/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,132/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$6,719
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$213/mo
Today · 4.125%
HK$7,141
baseline
▲ 0.50% · 4.625%
HK$7,575
+HK$434/mo
Deposit HK$982K · loan HK$1.47M · min. income ≈ HK$14,282/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,475
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$204/mo
Today · 4.125%
HK$7,879
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$415/mo
Deposit HK$982K · loan HK$1.47M · min. income ≈ HK$15,758/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,839
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$248/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,837
+HK$506/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$16,662/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,721
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$237/mo
Today · 4.125%
HK$9,192
baseline
▲ 0.50% · 4.625%
HK$9,677
+HK$485/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$18,384/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,079
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$319/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,362
+HK$651/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,422/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$11,213
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,513
−HK$305/mo
Today · 4.125%
HK$11,818
baseline
▲ 0.50% · 4.625%
HK$12,441
+HK$623/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,636/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).