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$5,628
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,803
−HK$178/mo
Today · 4.125%
HK$5,981
baseline
▲ 0.50% · 4.625%
HK$6,345
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,962/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$6,261
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,429
−HK$171/mo
Today · 4.125%
HK$6,600
baseline
▲ 0.50% · 4.625%
HK$6,947
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,200/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$6,754
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$213/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$437/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$14,354/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,514
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$204/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$418/mo
Deposit HK$987K · loan HK$1.48M · min. income ≈ HK$15,838/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,879
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$249/mo
Today · 4.125%
HK$8,374
baseline
▲ 0.50% · 4.625%
HK$8,883
+HK$509/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$16,748/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$8,766
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$238/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,726
+HK$487/mo
Deposit HK$740K · loan HK$1.73M · min. income ≈ HK$18,478/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$10,131
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$320/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,421
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,532/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$11,270
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$306/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,505
+HK$626/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,758/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).