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$5,680
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,857
−HK$179/mo
Today · 4.125%
HK$6,036
baseline
▲ 0.50% · 4.625%
HK$6,404
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,072/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$6,319
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,489
−HK$172/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,012
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,322/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$6,816
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$216/mo
Today · 4.125%
HK$7,244
baseline
▲ 0.50% · 4.625%
HK$7,685
+HK$441/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$14,488/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,583
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$207/mo
Today · 4.125%
HK$7,993
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$421/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$15,986/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,952
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$251/mo
Today · 4.125%
HK$8,451
baseline
▲ 0.50% · 4.625%
HK$8,965
+HK$514/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$16,902/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$8,847
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,084
−HK$241/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,816
+HK$491/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,650/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$10,225
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,543
−HK$323/mo
Today · 4.125%
HK$10,866
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,732/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$11,375
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,680
−HK$309/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,621
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,978/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).