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$5,668
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,845
−HK$179/mo
Today · 4.125%
HK$6,024
baseline
▲ 0.50% · 4.625%
HK$6,390
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,048/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$6,306
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,475
−HK$172/mo
Today · 4.125%
HK$6,647
baseline
▲ 0.50% · 4.625%
HK$6,997
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,294/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$6,802
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,014
−HK$215/mo
Today · 4.125%
HK$7,229
baseline
▲ 0.50% · 4.625%
HK$7,668
+HK$439/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,458/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,567
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,770
−HK$206/mo
Today · 4.125%
HK$7,976
baseline
▲ 0.50% · 4.625%
HK$8,396
+HK$420/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,952/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,936
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$250/mo
Today · 4.125%
HK$8,433
baseline
▲ 0.50% · 4.625%
HK$8,946
+HK$513/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,866/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$8,828
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,065
−HK$240/mo
Today · 4.125%
HK$9,305
baseline
▲ 0.50% · 4.625%
HK$9,796
+HK$491/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,610/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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$323/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,686/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$11,351
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$309/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,928/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).