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$5,673
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,850
−HK$179/mo
Today · 4.125%
HK$6,029
baseline
▲ 0.50% · 4.625%
HK$6,396
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,058/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$6,312
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,481
−HK$172/mo
Today · 4.125%
HK$6,653
baseline
▲ 0.50% · 4.625%
HK$7,003
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,306/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$6,808
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,020
−HK$215/mo
Today · 4.125%
HK$7,235
baseline
▲ 0.50% · 4.625%
HK$7,675
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,470/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$7,574
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,777
−HK$206/mo
Today · 4.125%
HK$7,983
baseline
▲ 0.50% · 4.625%
HK$8,404
+HK$421/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,966/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$7,943
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,190
−HK$251/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$513/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,882/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$8,836
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$241/mo
Today · 4.125%
HK$9,314
baseline
▲ 0.50% · 4.625%
HK$9,804
+HK$490/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,628/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$10,212
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$322/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,704/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$11,361
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$310/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,606
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,950/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).