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$5,662
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,839
−HK$179/mo
Today · 4.125%
HK$6,018
baseline
▲ 0.50% · 4.625%
HK$6,384
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,036/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$6,299
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$172/mo
Today · 4.125%
HK$6,640
baseline
▲ 0.50% · 4.625%
HK$6,990
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,280/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$6,795
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,006
−HK$215/mo
Today · 4.125%
HK$7,221
baseline
▲ 0.50% · 4.625%
HK$7,660
+HK$439/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$14,442/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,559
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,762
−HK$206/mo
Today · 4.125%
HK$7,968
baseline
▲ 0.50% · 4.625%
HK$8,388
+HK$420/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$15,936/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,927
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,174
−HK$251/mo
Today · 4.125%
HK$8,425
baseline
▲ 0.50% · 4.625%
HK$8,937
+HK$512/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,850/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,819
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,056
−HK$240/mo
Today · 4.125%
HK$9,296
baseline
▲ 0.50% · 4.625%
HK$9,786
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,592/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,192
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$323/mo
Today · 4.125%
HK$10,832
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$659/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,664/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$11,339
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$309/mo
Today · 4.125%
HK$11,952
baseline
▲ 0.50% · 4.625%
HK$12,582
+HK$630/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,904/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).