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$5,602
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,777
−HK$177/mo
Today · 4.125%
HK$5,954
baseline
▲ 0.50% · 4.625%
HK$6,316
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,908/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$6,233
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,400
−HK$169/mo
Today · 4.125%
HK$6,569
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,138/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$6,723
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,932
−HK$212/mo
Today · 4.125%
HK$7,144
baseline
▲ 0.50% · 4.625%
HK$7,579
+HK$435/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$14,288/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,479
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$203/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,299
+HK$416/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$15,766/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,843
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,087
−HK$248/mo
Today · 4.125%
HK$8,335
baseline
▲ 0.50% · 4.625%
HK$8,842
+HK$507/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$16,670/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$8,726
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$237/mo
Today · 4.125%
HK$9,197
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$485/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$18,394/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$10,084
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,398
−HK$319/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,369
+HK$652/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,434/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$11,219
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,519
−HK$306/mo
Today · 4.125%
HK$11,825
baseline
▲ 0.50% · 4.625%
HK$12,448
+HK$623/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,650/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).