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$5,682
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,858
−HK$180/mo
Today · 4.125%
HK$6,038
baseline
▲ 0.50% · 4.625%
HK$6,405
+HK$367/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,076/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,321
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,490
−HK$172/mo
Today · 4.125%
HK$6,662
baseline
▲ 0.50% · 4.625%
HK$7,013
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,324/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,818
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$216/mo
Today · 4.125%
HK$7,246
baseline
▲ 0.50% · 4.625%
HK$7,686
+HK$440/mo
Deposit HK$997K · loan HK$1.49M · min. income ≈ HK$14,492/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,585
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$207/mo
Today · 4.125%
HK$7,995
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$421/mo
Deposit HK$997K · loan HK$1.49M · min. income ≈ HK$15,990/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,954
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,202
−HK$251/mo
Today · 4.125%
HK$8,453
baseline
▲ 0.50% · 4.625%
HK$8,967
+HK$514/mo
Deposit HK$748K · loan HK$1.74M · min. income ≈ HK$16,906/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,849
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$241/mo
Today · 4.125%
HK$9,327
baseline
▲ 0.50% · 4.625%
HK$9,819
+HK$492/mo
Deposit HK$748K · loan HK$1.74M · min. income ≈ HK$18,654/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,227
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,545
−HK$323/mo
Today · 4.125%
HK$10,868
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$662/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,736/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$11,377
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$309/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,624
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,984/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).