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$5,636
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,811
−HK$178/mo
Today · 4.125%
HK$5,989
baseline
▲ 0.50% · 4.625%
HK$6,353
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,978/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$6,269
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$170/mo
Today · 4.125%
HK$6,608
baseline
▲ 0.50% · 4.625%
HK$6,956
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,216/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$6,763
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,973
−HK$214/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,624
+HK$437/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$14,374/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,523
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,725
−HK$205/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,348
+HK$418/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$15,860/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,890
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$249/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,895
+HK$511/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,768/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,777
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,013
−HK$238/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,739
+HK$488/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,502/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,144
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,459
−HK$321/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$656/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,560/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$11,285
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,588
−HK$307/mo
Today · 4.125%
HK$11,895
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,790/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).