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$5,669
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$179/mo
Today · 4.125%
HK$6,025
baseline
▲ 0.50% · 4.625%
HK$6,391
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,050/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$6,307
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$172/mo
Today · 4.125%
HK$6,648
baseline
▲ 0.50% · 4.625%
HK$6,998
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,296/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$6,803
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$215/mo
Today · 4.125%
HK$7,230
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$440/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,460/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,568
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,771
−HK$206/mo
Today · 4.125%
HK$7,977
baseline
▲ 0.50% · 4.625%
HK$8,398
+HK$421/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,954/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,937
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,184
−HK$251/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,948
+HK$513/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,870/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,830
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$240/mo
Today · 4.125%
HK$9,307
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$490/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,614/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,205
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,522
−HK$322/mo
Today · 4.125%
HK$10,844
baseline
▲ 0.50% · 4.625%
HK$11,504
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,688/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$11,352
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,657
−HK$309/mo
Today · 4.125%
HK$11,966
baseline
▲ 0.50% · 4.625%
HK$12,597
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,932/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).