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$5,653
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,829
−HK$178/mo
Today · 4.125%
HK$6,007
baseline
▲ 0.50% · 4.625%
HK$6,373
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,014/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$6,289
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,457
−HK$171/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$6,978
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,256/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$6,783
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,994
−HK$215/mo
Today · 4.125%
HK$7,209
baseline
▲ 0.50% · 4.625%
HK$7,647
+HK$438/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$14,418/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,546
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,749
−HK$205/mo
Today · 4.125%
HK$7,954
baseline
▲ 0.50% · 4.625%
HK$8,373
+HK$419/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$15,908/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,914
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$250/mo
Today · 4.125%
HK$8,410
baseline
▲ 0.50% · 4.625%
HK$8,922
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,820/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$8,804
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,040
−HK$240/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,769
+HK$489/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,560/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$10,175
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$322/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,471
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,626/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$11,320
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,623
−HK$308/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,560
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,862/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).