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$5,666
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,842
−HK$179/mo
Today · 4.125%
HK$6,021
baseline
▲ 0.50% · 4.625%
HK$6,387
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,042/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$6,303
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,472
−HK$172/mo
Today · 4.125%
HK$6,644
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,288/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$6,799
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,010
−HK$215/mo
Today · 4.125%
HK$7,225
baseline
▲ 0.50% · 4.625%
HK$7,665
+HK$440/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,450/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$7,564
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$205/mo
Today · 4.125%
HK$7,972
baseline
▲ 0.50% · 4.625%
HK$8,393
+HK$421/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,944/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$7,932
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$251/mo
Today · 4.125%
HK$8,430
baseline
▲ 0.50% · 4.625%
HK$8,942
+HK$512/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,860/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$8,824
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$240/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,602/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$10,198
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$322/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$659/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$21,676/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$11,346
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$309/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$630/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$23,918/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).