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$5,630
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$178/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,347
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,966/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$6,264
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,432
−HK$170/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$348/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,204/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$6,756
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,967
−HK$213/mo
Today · 4.125%
HK$7,180
baseline
▲ 0.50% · 4.625%
HK$7,617
+HK$437/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$14,360/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,516
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,718
−HK$204/mo
Today · 4.125%
HK$7,922
baseline
▲ 0.50% · 4.625%
HK$8,340
+HK$418/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$15,844/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,882
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$249/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$509/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,754/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,769
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$239/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$487/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,486/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,135
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$320/mo
Today · 4.125%
HK$10,770
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,540/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$11,275
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$307/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,768/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).