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$5,676
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,853
−HK$179/mo
Today · 4.125%
HK$6,032
baseline
▲ 0.50% · 4.625%
HK$6,400
+HK$368/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,064/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$6,315
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,484
−HK$172/mo
Today · 4.125%
HK$6,656
baseline
▲ 0.50% · 4.625%
HK$7,007
+HK$351/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,312/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$6,812
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,024
−HK$215/mo
Today · 4.125%
HK$7,239
baseline
▲ 0.50% · 4.625%
HK$7,679
+HK$440/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$14,478/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,578
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$206/mo
Today · 4.125%
HK$7,987
baseline
▲ 0.50% · 4.625%
HK$8,408
+HK$421/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$15,974/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,947
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,194
−HK$251/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,959
+HK$514/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$16,890/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,841
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,078
−HK$241/mo
Today · 4.125%
HK$9,319
baseline
▲ 0.50% · 4.625%
HK$9,810
+HK$491/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,638/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,218
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,535
−HK$323/mo
Today · 4.125%
HK$10,858
baseline
▲ 0.50% · 4.625%
HK$11,519
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,716/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$11,367
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$309/mo
Today · 4.125%
HK$11,981
baseline
▲ 0.50% · 4.625%
HK$12,613
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,962/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).