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$5,587
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,761
−HK$177/mo
Today · 4.125%
HK$5,938
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$361/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,876/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$6,216
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$169/mo
Today · 4.125%
HK$6,552
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$345/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,104/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$6,705
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,914
−HK$211/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,559
+HK$434/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,250/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,459
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$203/mo
Today · 4.125%
HK$7,862
baseline
▲ 0.50% · 4.625%
HK$8,277
+HK$415/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,724/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,822
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,066
−HK$247/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,819
+HK$506/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$16,626/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,702
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,936
−HK$237/mo
Today · 4.125%
HK$9,173
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$483/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$18,346/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,057
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,370
−HK$318/mo
Today · 4.125%
HK$10,688
baseline
▲ 0.50% · 4.625%
HK$11,338
+HK$650/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,376/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,189
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$304/mo
Today · 4.125%
HK$11,793
baseline
▲ 0.50% · 4.625%
HK$12,415
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,586/mo (50% DSR)
Upfront cash ≈ HK$245K (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).