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$5,594
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,768
−HK$177/mo
Today · 4.125%
HK$5,945
baseline
▲ 0.50% · 4.625%
HK$6,307
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,890/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$6,223
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$170/mo
Today · 4.125%
HK$6,560
baseline
▲ 0.50% · 4.625%
HK$6,905
+HK$345/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,120/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$6,713
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,922
−HK$212/mo
Today · 4.125%
HK$7,134
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$434/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$14,268/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,468
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$204/mo
Today · 4.125%
HK$7,872
baseline
▲ 0.50% · 4.625%
HK$8,286
+HK$414/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$15,744/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,832
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,075
−HK$248/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$506/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$16,646/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,713
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$237/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$485/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$18,366/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,069
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,383
−HK$318/mo
Today · 4.125%
HK$10,701
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$651/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,402/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,202
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$305/mo
Today · 4.125%
HK$11,807
baseline
▲ 0.50% · 4.625%
HK$12,430
+HK$623/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,614/mo (50% DSR)
Upfront cash ≈ HK$245K (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).