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$5,649
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,825
−HK$178/mo
Today · 4.125%
HK$6,003
baseline
▲ 0.50% · 4.625%
HK$6,369
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,006/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$6,285
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,453
−HK$171/mo
Today · 4.125%
HK$6,624
baseline
▲ 0.50% · 4.625%
HK$6,973
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,248/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$6,779
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,990
−HK$214/mo
Today · 4.125%
HK$7,204
baseline
▲ 0.50% · 4.625%
HK$7,642
+HK$438/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,408/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,542
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$205/mo
Today · 4.125%
HK$7,949
baseline
▲ 0.50% · 4.625%
HK$8,368
+HK$419/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,898/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,909
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$250/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,916
+HK$511/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$16,810/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,798
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,034
−HK$240/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,763
+HK$489/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$18,548/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,168
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$321/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,612/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$11,312
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$307/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,846/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).