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$5,672
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,849
−HK$179/mo
Today · 4.125%
HK$6,028
baseline
▲ 0.50% · 4.625%
HK$6,395
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,056/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$6,310
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,480
−HK$171/mo
Today · 4.125%
HK$6,651
baseline
▲ 0.50% · 4.625%
HK$7,002
+HK$351/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,302/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$6,807
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,018
−HK$216/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,674
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,468/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,572
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,775
−HK$207/mo
Today · 4.125%
HK$7,982
baseline
▲ 0.50% · 4.625%
HK$8,402
+HK$420/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,964/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,941
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$251/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,953
+HK$514/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,878/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,834
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,071
−HK$241/mo
Today · 4.125%
HK$9,312
baseline
▲ 0.50% · 4.625%
HK$9,803
+HK$491/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,624/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,210
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,528
−HK$322/mo
Today · 4.125%
HK$10,850
baseline
▲ 0.50% · 4.625%
HK$11,511
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,700/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,359
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$309/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,603
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,944/mo (50% DSR)
Upfront cash ≈ HK$249K (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).