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$5,684
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,860
−HK$180/mo
Today · 4.125%
HK$6,040
baseline
▲ 0.50% · 4.625%
HK$6,408
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,080/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,323
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$172/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,016
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,330/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,820
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$215/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,689
+HK$441/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$14,496/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,588
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$207/mo
Today · 4.125%
HK$7,998
baseline
▲ 0.50% · 4.625%
HK$8,419
+HK$421/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$15,996/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,957
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,205
−HK$251/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,971
+HK$515/mo
Deposit HK$748K · loan HK$1.74M · min. income ≈ HK$16,912/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,852
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$240/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,822
+HK$492/mo
Deposit HK$748K · loan HK$1.74M · min. income ≈ HK$18,660/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,231
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,549
−HK$323/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,534
+HK$662/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,744/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,381
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$309/mo
Today · 4.125%
HK$11,996
baseline
▲ 0.50% · 4.625%
HK$12,629
+HK$633/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,992/mo (50% DSR)
Upfront cash ≈ HK$249K (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).