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$5,605
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,779
−HK$177/mo
Today · 4.125%
HK$5,956
baseline
▲ 0.50% · 4.625%
HK$6,319
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,912/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$6,235
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,403
−HK$169/mo
Today · 4.125%
HK$6,572
baseline
▲ 0.50% · 4.625%
HK$6,919
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,144/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$6,726
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$213/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,582
+HK$434/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$14,296/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$7,482
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,683
−HK$204/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$415/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$15,774/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$7,847
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,091
−HK$248/mo
Today · 4.125%
HK$8,339
baseline
▲ 0.50% · 4.625%
HK$8,846
+HK$507/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$16,678/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$8,729
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,964
−HK$237/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$485/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$18,402/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$10,089
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$319/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,374
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,442/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$11,224
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,525
−HK$305/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$623/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,660/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).