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$5,591
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,765
−HK$176/mo
Today · 4.125%
HK$5,941
baseline
▲ 0.50% · 4.625%
HK$6,303
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,882/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$6,220
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$170/mo
Today · 4.125%
HK$6,556
baseline
▲ 0.50% · 4.625%
HK$6,901
+HK$345/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,112/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$6,709
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$212/mo
Today · 4.125%
HK$7,130
baseline
▲ 0.50% · 4.625%
HK$7,563
+HK$433/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$14,260/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,464
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,664
−HK$203/mo
Today · 4.125%
HK$7,867
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$414/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$15,734/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,827
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,070
−HK$248/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,824
+HK$506/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$16,636/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,707
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,941
−HK$237/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,662
+HK$484/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$18,356/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,063
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,376
−HK$318/mo
Today · 4.125%
HK$10,694
baseline
▲ 0.50% · 4.625%
HK$11,345
+HK$651/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,388/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$11,195
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$304/mo
Today · 4.125%
HK$11,800
baseline
▲ 0.50% · 4.625%
HK$12,422
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,600/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).