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$5,664
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,840
−HK$179/mo
Today · 4.125%
HK$6,019
baseline
▲ 0.50% · 4.625%
HK$6,385
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,038/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$6,301
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,470
−HK$171/mo
Today · 4.125%
HK$6,641
baseline
▲ 0.50% · 4.625%
HK$6,991
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,282/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$6,797
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,008
−HK$215/mo
Today · 4.125%
HK$7,223
baseline
▲ 0.50% · 4.625%
HK$7,662
+HK$439/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,446/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$7,561
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,764
−HK$206/mo
Today · 4.125%
HK$7,970
baseline
▲ 0.50% · 4.625%
HK$8,390
+HK$420/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,940/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$7,929
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$251/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,939
+HK$512/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,854/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$8,821
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$240/mo
Today · 4.125%
HK$9,298
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,596/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$10,195
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,512
−HK$322/mo
Today · 4.125%
HK$10,834
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$659/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$21,668/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$11,342
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,646
−HK$308/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,585
+HK$631/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$23,908/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).