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$5,634
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,809
−HK$178/mo
Today · 4.125%
HK$5,987
baseline
▲ 0.50% · 4.625%
HK$6,351
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,974/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$6,267
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$170/mo
Today · 4.125%
HK$6,606
baseline
▲ 0.50% · 4.625%
HK$6,954
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,212/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$6,760
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$213/mo
Today · 4.125%
HK$7,184
baseline
▲ 0.50% · 4.625%
HK$7,622
+HK$438/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$14,368/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,521
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,723
−HK$204/mo
Today · 4.125%
HK$7,927
baseline
▲ 0.50% · 4.625%
HK$8,345
+HK$418/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$15,854/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,887
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,133
−HK$249/mo
Today · 4.125%
HK$8,382
baseline
▲ 0.50% · 4.625%
HK$8,892
+HK$510/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,764/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,774
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,010
−HK$239/mo
Today · 4.125%
HK$9,249
baseline
▲ 0.50% · 4.625%
HK$9,736
+HK$487/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,498/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,141
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$321/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,554/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,281
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$307/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,782/mo (50% DSR)
Upfront cash ≈ HK$247K (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).