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$5,647
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,822
−HK$179/mo
Today · 4.125%
HK$6,001
baseline
▲ 0.50% · 4.625%
HK$6,366
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,002/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$6,282
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,450
−HK$171/mo
Today · 4.125%
HK$6,621
baseline
▲ 0.50% · 4.625%
HK$6,970
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,242/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$6,776
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,987
−HK$214/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$438/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,402/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,538
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,740
−HK$206/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,364
+HK$418/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,892/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,905
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$250/mo
Today · 4.125%
HK$8,401
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$511/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$16,802/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,795
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$239/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$488/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$18,540/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,164
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,480
−HK$321/mo
Today · 4.125%
HK$10,801
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,602/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$11,307
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$307/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,836/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).