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$5,656
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,832
−HK$179/mo
Today · 4.125%
HK$6,011
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,022/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$6,292
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,461
−HK$171/mo
Today · 4.125%
HK$6,632
baseline
▲ 0.50% · 4.625%
HK$6,982
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,264/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$6,787
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$215/mo
Today · 4.125%
HK$7,213
baseline
▲ 0.50% · 4.625%
HK$7,652
+HK$439/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$14,426/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,551
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$206/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$419/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$15,918/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,918
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,165
−HK$250/mo
Today · 4.125%
HK$8,415
baseline
▲ 0.50% · 4.625%
HK$8,927
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,830/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,809
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,045
−HK$240/mo
Today · 4.125%
HK$9,285
baseline
▲ 0.50% · 4.625%
HK$9,775
+HK$490/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,570/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,181
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,498
−HK$321/mo
Today · 4.125%
HK$10,819
baseline
▲ 0.50% · 4.625%
HK$11,478
+HK$659/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,638/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$11,326
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,630
−HK$308/mo
Today · 4.125%
HK$11,938
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,876/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).