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$5,601
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,775
−HK$177/mo
Today · 4.125%
HK$5,952
baseline
▲ 0.50% · 4.625%
HK$6,315
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,904/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$6,231
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,398
−HK$170/mo
Today · 4.125%
HK$6,568
baseline
▲ 0.50% · 4.625%
HK$6,914
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,136/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$6,721
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$213/mo
Today · 4.125%
HK$7,143
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$434/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$14,286/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,477
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,678
−HK$203/mo
Today · 4.125%
HK$7,881
baseline
▲ 0.50% · 4.625%
HK$8,297
+HK$416/mo
Deposit HK$983K · loan HK$1.47M · min. income ≈ HK$15,762/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,842
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,085
−HK$248/mo
Today · 4.125%
HK$8,333
baseline
▲ 0.50% · 4.625%
HK$8,840
+HK$507/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$16,666/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$8,724
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,958
−HK$237/mo
Today · 4.125%
HK$9,195
baseline
▲ 0.50% · 4.625%
HK$9,680
+HK$485/mo
Deposit HK$737K · loan HK$1.72M · min. income ≈ HK$18,390/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$10,082
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$318/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,366
+HK$652/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$21,428/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$11,216
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,517
−HK$305/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$623/mo
Deposit HK$246K · loan HK$2.21M · min. income ≈ HK$23,644/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).