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$5,611
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,786
−HK$177/mo
Today · 4.125%
HK$5,963
baseline
▲ 0.50% · 4.625%
HK$6,326
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,926/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$6,242
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,410
−HK$170/mo
Today · 4.125%
HK$6,580
baseline
▲ 0.50% · 4.625%
HK$6,927
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,160/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$6,733
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,943
−HK$213/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,591
+HK$435/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$14,312/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,491
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$204/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$416/mo
Deposit HK$984K · loan HK$1.48M · min. income ≈ HK$15,792/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,856
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$248/mo
Today · 4.125%
HK$8,348
baseline
▲ 0.50% · 4.625%
HK$8,856
+HK$508/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$16,696/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,739
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$238/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$485/mo
Deposit HK$738K · loan HK$1.72M · min. income ≈ HK$18,424/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,100
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$320/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,387
+HK$653/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,468/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$11,236
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$305/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$625/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,686/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).