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$5,655
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$179/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,375
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,020/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$6,291
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,460
−HK$171/mo
Today · 4.125%
HK$6,631
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,262/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$6,786
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,997
−HK$215/mo
Today · 4.125%
HK$7,212
baseline
▲ 0.50% · 4.625%
HK$7,651
+HK$439/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$14,424/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,550
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$205/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$420/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$15,914/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,917
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$251/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,828/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$8,808
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$240/mo
Today · 4.125%
HK$9,284
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$489/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,568/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$10,179
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$322/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,476
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,636/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$11,324
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$308/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,872/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).