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$5,670
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$180/mo
Today · 4.125%
HK$6,026
baseline
▲ 0.50% · 4.625%
HK$6,392
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,052/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$6,308
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,477
−HK$172/mo
Today · 4.125%
HK$6,649
baseline
▲ 0.50% · 4.625%
HK$6,999
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,298/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$6,804
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,016
−HK$215/mo
Today · 4.125%
HK$7,231
baseline
▲ 0.50% · 4.625%
HK$7,671
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,462/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$7,570
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$205/mo
Today · 4.125%
HK$7,978
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$421/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,956/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$7,938
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$251/mo
Today · 4.125%
HK$8,436
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$513/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,872/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$8,831
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,068
−HK$240/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,799
+HK$491/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,616/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$10,206
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,524
−HK$322/mo
Today · 4.125%
HK$10,846
baseline
▲ 0.50% · 4.625%
HK$11,506
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,692/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$11,354
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,659
−HK$309/mo
Today · 4.125%
HK$11,968
baseline
▲ 0.50% · 4.625%
HK$12,599
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,936/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).