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$5,635
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,810
−HK$178/mo
Today · 4.125%
HK$5,988
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,976/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$6,269
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,437
−HK$170/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,214/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$6,762
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,972
−HK$214/mo
Today · 4.125%
HK$7,186
baseline
▲ 0.50% · 4.625%
HK$7,623
+HK$437/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$14,372/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,522
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,724
−HK$205/mo
Today · 4.125%
HK$7,929
baseline
▲ 0.50% · 4.625%
HK$8,347
+HK$418/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$15,858/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,889
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,134
−HK$249/mo
Today · 4.125%
HK$8,383
baseline
▲ 0.50% · 4.625%
HK$8,893
+HK$510/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,766/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,776
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,011
−HK$239/mo
Today · 4.125%
HK$9,250
baseline
▲ 0.50% · 4.625%
HK$9,738
+HK$488/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,500/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,142
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,458
−HK$320/mo
Today · 4.125%
HK$10,778
baseline
▲ 0.50% · 4.625%
HK$11,434
+HK$656/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,556/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,283
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$307/mo
Today · 4.125%
HK$11,893
baseline
▲ 0.50% · 4.625%
HK$12,520
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,786/mo (50% DSR)
Upfront cash ≈ HK$247K (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).