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$5,679
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$179/mo
Today · 4.125%
HK$6,035
baseline
▲ 0.50% · 4.625%
HK$6,402
+HK$367/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,070/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$6,318
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,487
−HK$172/mo
Today · 4.125%
HK$6,659
baseline
▲ 0.50% · 4.625%
HK$7,010
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,318/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$6,815
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,027
−HK$215/mo
Today · 4.125%
HK$7,242
baseline
▲ 0.50% · 4.625%
HK$7,683
+HK$441/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$14,484/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,581
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$206/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$421/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$15,982/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,951
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,198
−HK$251/mo
Today · 4.125%
HK$8,449
baseline
▲ 0.50% · 4.625%
HK$8,963
+HK$514/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$16,898/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,845
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,082
−HK$241/mo
Today · 4.125%
HK$9,323
baseline
▲ 0.50% · 4.625%
HK$9,814
+HK$491/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,646/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,222
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,540
−HK$323/mo
Today · 4.125%
HK$10,863
baseline
▲ 0.50% · 4.625%
HK$11,524
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,726/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$11,372
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$309/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,618
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,972/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).