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$5,670
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,847
−HK$179/mo
Today · 4.125%
HK$6,026
baseline
▲ 0.50% · 4.625%
HK$6,393
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,052/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$6,308
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,478
−HK$171/mo
Today · 4.125%
HK$6,649
baseline
▲ 0.50% · 4.625%
HK$7,000
+HK$351/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,298/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$6,805
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,016
−HK$215/mo
Today · 4.125%
HK$7,231
baseline
▲ 0.50% · 4.625%
HK$7,671
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,462/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,570
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$206/mo
Today · 4.125%
HK$7,979
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$421/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,958/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,939
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$250/mo
Today · 4.125%
HK$8,436
baseline
▲ 0.50% · 4.625%
HK$8,950
+HK$514/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,872/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,832
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$240/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,799
+HK$490/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,618/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,207
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,524
−HK$323/mo
Today · 4.125%
HK$10,847
baseline
▲ 0.50% · 4.625%
HK$11,507
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,694/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$11,355
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,660
−HK$308/mo
Today · 4.125%
HK$11,968
baseline
▲ 0.50% · 4.625%
HK$12,599
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,936/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).