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$5,667
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,843
−HK$179/mo
Today · 4.125%
HK$6,022
baseline
▲ 0.50% · 4.625%
HK$6,389
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,044/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$340/mo
▼ 0.25% · 3.875%
HK$6,474
−HK$171/mo
Today · 4.125%
HK$6,645
baseline
▲ 0.50% · 4.625%
HK$6,995
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,290/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$6,800
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,012
−HK$215/mo
Today · 4.125%
HK$7,227
baseline
▲ 0.50% · 4.625%
HK$7,667
+HK$440/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,454/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$7,565
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,768
−HK$206/mo
Today · 4.125%
HK$7,974
baseline
▲ 0.50% · 4.625%
HK$8,394
+HK$420/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,948/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$7,934
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,181
−HK$250/mo
Today · 4.125%
HK$8,431
baseline
▲ 0.50% · 4.625%
HK$8,944
+HK$513/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,862/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$8,826
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,063
−HK$240/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,794
+HK$491/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,606/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$10,201
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$322/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,680/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$11,348
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$309/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,592
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,922/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).