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$5,651
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,827
−HK$178/mo
Today · 4.125%
HK$6,005
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,010/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$6,287
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,455
−HK$171/mo
Today · 4.125%
HK$6,626
baseline
▲ 0.50% · 4.625%
HK$6,976
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,252/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$6,781
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$214/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$439/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,412/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$7,544
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$206/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$419/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,904/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$7,911
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,158
−HK$250/mo
Today · 4.125%
HK$8,408
baseline
▲ 0.50% · 4.625%
HK$8,919
+HK$511/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$16,816/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$8,801
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$240/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$489/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$18,554/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$10,172
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$322/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$657/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,620/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$11,316
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,620
−HK$307/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,556
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,854/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).