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$5,656
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$179/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,020/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,292
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,460
−HK$172/mo
Today · 4.125%
HK$6,632
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,264/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,787
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$214/mo
Today · 4.125%
HK$7,212
baseline
▲ 0.50% · 4.625%
HK$7,651
+HK$439/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$14,424/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,550
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$205/mo
Today · 4.125%
HK$7,958
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$419/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$15,916/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,918
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$250/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,828/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,808
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,045
−HK$239/mo
Today · 4.125%
HK$9,284
baseline
▲ 0.50% · 4.625%
HK$9,774
+HK$490/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,568/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,180
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,497
−HK$321/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,477
+HK$659/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,636/mo (50% DSR)
Upfront cash ≈ HK$248K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,325
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,629
−HK$308/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,874/mo (50% DSR)
Upfront cash ≈ HK$248K (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).