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$5,673
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,849
−HK$180/mo
Today · 4.125%
HK$6,029
baseline
▲ 0.50% · 4.625%
HK$6,396
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,058/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$6,311
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,480
−HK$172/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,003
+HK$351/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,304/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$6,808
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,019
−HK$216/mo
Today · 4.125%
HK$7,235
baseline
▲ 0.50% · 4.625%
HK$7,675
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,470/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$7,573
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,777
−HK$206/mo
Today · 4.125%
HK$7,983
baseline
▲ 0.50% · 4.625%
HK$8,403
+HK$420/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,966/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$7,942
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,189
−HK$251/mo
Today · 4.125%
HK$8,440
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$514/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,880/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$8,836
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$240/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,804
+HK$491/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,626/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$10,211
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,529
−HK$323/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,512
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,704/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$11,360
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$309/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,605
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,948/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).