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$5,655
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$178/mo
Today · 4.125%
HK$6,009
baseline
▲ 0.50% · 4.625%
HK$6,375
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,018/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$6,291
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,459
−HK$172/mo
Today · 4.125%
HK$6,631
baseline
▲ 0.50% · 4.625%
HK$6,980
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,262/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$6,786
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,997
−HK$214/mo
Today · 4.125%
HK$7,211
baseline
▲ 0.50% · 4.625%
HK$7,650
+HK$439/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$14,422/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$7,549
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,751
−HK$206/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,376
+HK$419/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$15,914/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$7,917
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$250/mo
Today · 4.125%
HK$8,413
baseline
▲ 0.50% · 4.625%
HK$8,925
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,826/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$8,807
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$240/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$489/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,566/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$10,178
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$322/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,475
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,634/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$11,323
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$308/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,564
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,870/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).