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$5,658
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,834
−HK$179/mo
Today · 4.125%
HK$6,013
baseline
▲ 0.50% · 4.625%
HK$6,379
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,026/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$6,294
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$172/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$6,984
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,270/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$6,790
−HK$425/mo
▼ 0.25% · 3.875%
HK$7,001
−HK$214/mo
Today · 4.125%
HK$7,215
baseline
▲ 0.50% · 4.625%
HK$7,654
+HK$439/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$14,430/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,553
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$205/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,381
+HK$420/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$15,922/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,921
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$250/mo
Today · 4.125%
HK$8,418
baseline
▲ 0.50% · 4.625%
HK$8,930
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,836/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,812
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$239/mo
Today · 4.125%
HK$9,288
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$490/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,576/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,184
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$322/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,482
+HK$659/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,646/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$11,330
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$308/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$630/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,884/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).