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$5,622
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,797
−HK$177/mo
Today · 4.125%
HK$5,974
baseline
▲ 0.50% · 4.625%
HK$6,338
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,948/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$6,254
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,422
−HK$170/mo
Today · 4.125%
HK$6,592
baseline
▲ 0.50% · 4.625%
HK$6,939
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,184/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$6,746
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$213/mo
Today · 4.125%
HK$7,169
baseline
▲ 0.50% · 4.625%
HK$7,605
+HK$436/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$14,338/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$7,505
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,706
−HK$204/mo
Today · 4.125%
HK$7,910
baseline
▲ 0.50% · 4.625%
HK$8,327
+HK$417/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$15,820/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$7,870
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$249/mo
Today · 4.125%
HK$8,364
baseline
▲ 0.50% · 4.625%
HK$8,873
+HK$509/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,728/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$8,756
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,991
−HK$238/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,715
+HK$486/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,458/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$10,119
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,434
−HK$320/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,408
+HK$654/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,508/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$11,257
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,559
−HK$307/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$625/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,732/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).