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$5,671
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,847
−HK$180/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,393
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,054/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$6,309
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,478
−HK$172/mo
Today · 4.125%
HK$6,650
baseline
▲ 0.50% · 4.625%
HK$7,000
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,300/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$6,805
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,017
−HK$215/mo
Today · 4.125%
HK$7,232
baseline
▲ 0.50% · 4.625%
HK$7,672
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,464/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$7,571
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,774
−HK$206/mo
Today · 4.125%
HK$7,980
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$420/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,960/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$7,940
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$251/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,951
+HK$514/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,874/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$8,833
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,070
−HK$240/mo
Today · 4.125%
HK$9,310
baseline
▲ 0.50% · 4.625%
HK$9,801
+HK$491/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,620/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$10,208
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,525
−HK$323/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,508
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,696/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$11,356
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$309/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,601
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,940/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).