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$5,633
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,808
−HK$178/mo
Today · 4.125%
HK$5,986
baseline
▲ 0.50% · 4.625%
HK$6,350
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,972/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$6,267
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,435
−HK$170/mo
Today · 4.125%
HK$6,605
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,210/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$6,760
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,970
−HK$213/mo
Today · 4.125%
HK$7,183
baseline
▲ 0.50% · 4.625%
HK$7,621
+HK$438/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$14,366/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,520
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$204/mo
Today · 4.125%
HK$7,926
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$418/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$15,852/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,886
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$249/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$510/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,762/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,773
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,009
−HK$238/mo
Today · 4.125%
HK$9,247
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$488/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,494/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,139
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$320/mo
Today · 4.125%
HK$10,775
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$656/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,550/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,280
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$306/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,516
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,778/mo (50% DSR)
Upfront cash ≈ HK$247K (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).