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$5,674
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,851
−HK$179/mo
Today · 4.125%
HK$6,030
baseline
▲ 0.50% · 4.625%
HK$6,397
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,060/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$6,313
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,482
−HK$172/mo
Today · 4.125%
HK$6,654
baseline
▲ 0.50% · 4.625%
HK$7,004
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,308/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$6,809
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,021
−HK$215/mo
Today · 4.125%
HK$7,236
baseline
▲ 0.50% · 4.625%
HK$7,676
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,472/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$7,575
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,778
−HK$206/mo
Today · 4.125%
HK$7,984
baseline
▲ 0.50% · 4.625%
HK$8,405
+HK$421/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,968/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$7,944
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,191
−HK$251/mo
Today · 4.125%
HK$8,442
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$514/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$16,884/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,838
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,075
−HK$240/mo
Today · 4.125%
HK$9,315
baseline
▲ 0.50% · 4.625%
HK$9,806
+HK$491/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,630/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,214
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,531
−HK$323/mo
Today · 4.125%
HK$10,854
baseline
▲ 0.50% · 4.625%
HK$11,515
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,708/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$11,363
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,667
−HK$310/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,608
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,954/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).