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$5,599
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,773
−HK$177/mo
Today · 4.125%
HK$5,950
baseline
▲ 0.50% · 4.625%
HK$6,312
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,900/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$6,229
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,396
−HK$169/mo
Today · 4.125%
HK$6,565
baseline
▲ 0.50% · 4.625%
HK$6,911
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,130/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$6,719
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$212/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,574
+HK$434/mo
Deposit HK$982K · loan HK$1.47M · min. income ≈ HK$14,280/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,474
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$203/mo
Today · 4.125%
HK$7,878
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$416/mo
Deposit HK$982K · loan HK$1.47M · min. income ≈ HK$15,756/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,838
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$248/mo
Today · 4.125%
HK$8,330
baseline
▲ 0.50% · 4.625%
HK$8,837
+HK$507/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$16,660/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$8,720
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,954
−HK$237/mo
Today · 4.125%
HK$9,191
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$485/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$18,382/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$10,078
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$318/mo
Today · 4.125%
HK$10,710
baseline
▲ 0.50% · 4.625%
HK$11,362
+HK$652/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,420/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$11,212
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,512
−HK$305/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$623/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,634/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).