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$5,651
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,826
−HK$179/mo
Today · 4.125%
HK$6,005
baseline
▲ 0.50% · 4.625%
HK$6,370
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,010/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$6,286
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,455
−HK$171/mo
Today · 4.125%
HK$6,626
baseline
▲ 0.50% · 4.625%
HK$6,975
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,252/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$6,781
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$214/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,644
+HK$438/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,412/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,544
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$205/mo
Today · 4.125%
HK$7,951
baseline
▲ 0.50% · 4.625%
HK$8,370
+HK$419/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,902/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,911
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$250/mo
Today · 4.125%
HK$8,407
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$511/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$16,814/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$8,801
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$239/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,765
+HK$489/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$18,552/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$10,171
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,487
−HK$322/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,618/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$11,315
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$308/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$628/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,854/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).