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$5,639
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,814
−HK$178/mo
Today · 4.125%
HK$5,992
baseline
▲ 0.50% · 4.625%
HK$6,357
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,984/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$6,273
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$171/mo
Today · 4.125%
HK$6,612
baseline
▲ 0.50% · 4.625%
HK$6,960
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,224/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$6,766
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,977
−HK$214/mo
Today · 4.125%
HK$7,191
baseline
▲ 0.50% · 4.625%
HK$7,628
+HK$437/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$14,382/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,527
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$205/mo
Today · 4.125%
HK$7,934
baseline
▲ 0.50% · 4.625%
HK$8,352
+HK$418/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$15,868/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,894
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,140
−HK$249/mo
Today · 4.125%
HK$8,389
baseline
▲ 0.50% · 4.625%
HK$8,899
+HK$510/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,778/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,782
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,018
−HK$238/mo
Today · 4.125%
HK$9,256
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$488/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,512/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,149
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,465
−HK$321/mo
Today · 4.125%
HK$10,786
baseline
▲ 0.50% · 4.625%
HK$11,442
+HK$656/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$21,572/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,291
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$307/mo
Today · 4.125%
HK$11,901
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$628/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$23,802/mo (50% DSR)
Upfront cash ≈ HK$247K (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).