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$5,657
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,833
−HK$179/mo
Today · 4.125%
HK$6,012
baseline
▲ 0.50% · 4.625%
HK$6,378
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,024/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$6,294
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$171/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$6,983
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,268/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$6,789
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,000
−HK$215/mo
Today · 4.125%
HK$7,215
baseline
▲ 0.50% · 4.625%
HK$7,654
+HK$439/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$14,430/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,553
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,755
−HK$206/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,380
+HK$419/mo
Deposit HK$992K · loan HK$1.49M · min. income ≈ HK$15,922/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,920
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,167
−HK$250/mo
Today · 4.125%
HK$8,417
baseline
▲ 0.50% · 4.625%
HK$8,929
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,834/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,811
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,048
−HK$239/mo
Today · 4.125%
HK$9,287
baseline
▲ 0.50% · 4.625%
HK$9,777
+HK$490/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,574/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,183
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$322/mo
Today · 4.125%
HK$10,822
baseline
▲ 0.50% · 4.625%
HK$11,480
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,644/mo (50% DSR)
Upfront cash ≈ HK$248K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,329
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$308/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,882/mo (50% DSR)
Upfront cash ≈ HK$248K (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).