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$5,659
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$179/mo
Today · 4.125%
HK$6,014
baseline
▲ 0.50% · 4.625%
HK$6,380
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,028/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$6,295
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,464
−HK$172/mo
Today · 4.125%
HK$6,636
baseline
▲ 0.50% · 4.625%
HK$6,985
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,272/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$6,791
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,002
−HK$215/mo
Today · 4.125%
HK$7,217
baseline
▲ 0.50% · 4.625%
HK$7,656
+HK$439/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$14,434/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,555
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,757
−HK$206/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$419/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$15,926/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,922
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,169
−HK$250/mo
Today · 4.125%
HK$8,419
baseline
▲ 0.50% · 4.625%
HK$8,932
+HK$513/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,838/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,814
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,050
−HK$240/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,780
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,580/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,186
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,503
−HK$322/mo
Today · 4.125%
HK$10,825
baseline
▲ 0.50% · 4.625%
HK$11,483
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,650/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$11,332
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,636
−HK$308/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$630/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,888/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).