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$5,662
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,838
−HK$179/mo
Today · 4.125%
HK$6,017
baseline
▲ 0.50% · 4.625%
HK$6,383
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,034/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$6,299
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$171/mo
Today · 4.125%
HK$6,639
baseline
▲ 0.50% · 4.625%
HK$6,989
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,278/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$6,794
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,006
−HK$214/mo
Today · 4.125%
HK$7,220
baseline
▲ 0.50% · 4.625%
HK$7,660
+HK$440/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$14,440/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,559
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,761
−HK$206/mo
Today · 4.125%
HK$7,967
baseline
▲ 0.50% · 4.625%
HK$8,387
+HK$420/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$15,934/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,927
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,173
−HK$251/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,936
+HK$512/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,848/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$8,818
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$240/mo
Today · 4.125%
HK$9,295
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,590/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$10,192
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$322/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$659/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,662/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$11,338
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$309/mo
Today · 4.125%
HK$11,951
baseline
▲ 0.50% · 4.625%
HK$12,581
+HK$630/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,902/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).