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$5,852
−HK$180/mo
Today · 4.125%
HK$6,032
baseline
▲ 0.50% · 4.625%
HK$6,399
+HK$367/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$6,314
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,484
−HK$172/mo
Today · 4.125%
HK$6,656
baseline
▲ 0.50% · 4.625%
HK$7,006
+HK$350/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$6,811
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$215/mo
Today · 4.125%
HK$7,238
baseline
▲ 0.50% · 4.625%
HK$7,679
+HK$441/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$14,476/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$7,577
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,780
−HK$207/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$7,946
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,193
−HK$252/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,958
+HK$513/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$8,840
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$241/mo
Today · 4.125%
HK$9,318
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$491/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,636/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$10,217
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$323/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,518
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,714/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$11,366
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,671
−HK$309/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,960/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).