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$355/mo
▼ 0.25% · 3.875%
HK$5,844
−HK$179/mo
Today · 4.125%
HK$6,023
baseline
▲ 0.50% · 4.625%
HK$6,390
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,046/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$6,305
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,475
−HK$171/mo
Today · 4.125%
HK$6,646
baseline
▲ 0.50% · 4.625%
HK$6,996
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,292/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$6,801
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,013
−HK$215/mo
Today · 4.125%
HK$7,228
baseline
▲ 0.50% · 4.625%
HK$7,668
+HK$440/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,456/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$408/mo
▼ 0.25% · 3.875%
HK$7,769
−HK$206/mo
Today · 4.125%
HK$7,975
baseline
▲ 0.50% · 4.625%
HK$8,396
+HK$421/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,950/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$7,935
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,182
−HK$251/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$9,064
−HK$241/mo
Today · 4.125%
HK$9,305
baseline
▲ 0.50% · 4.625%
HK$9,795
+HK$490/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$10,202
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$323/mo
Today · 4.125%
HK$10,842
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,684/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$11,350
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,654
−HK$309/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,926/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).