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$5,663
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,840
−HK$179/mo
Today · 4.125%
HK$6,019
baseline
▲ 0.50% · 4.625%
HK$6,385
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,038/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$6,300
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,469
−HK$172/mo
Today · 4.125%
HK$6,641
baseline
▲ 0.50% · 4.625%
HK$6,991
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,282/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$6,796
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,007
−HK$215/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,662
+HK$440/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$14,444/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,561
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$206/mo
Today · 4.125%
HK$7,969
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$420/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$15,938/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,929
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,175
−HK$251/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,939
+HK$513/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,852/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,821
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,057
−HK$240/mo
Today · 4.125%
HK$9,297
baseline
▲ 0.50% · 4.625%
HK$9,787
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,594/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,194
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$322/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$660/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$21,666/mo (50% DSR)
Upfront cash ≈ HK$248K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,341
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,645
−HK$309/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,584
+HK$630/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$23,908/mo (50% DSR)
Upfront cash ≈ HK$248K (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).