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$5,645
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,821
−HK$178/mo
Today · 4.125%
HK$5,999
baseline
▲ 0.50% · 4.625%
HK$6,365
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,998/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$6,281
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,449
−HK$171/mo
Today · 4.125%
HK$6,620
baseline
▲ 0.50% · 4.625%
HK$6,969
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,240/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$6,775
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,985
−HK$214/mo
Today · 4.125%
HK$7,199
baseline
▲ 0.50% · 4.625%
HK$7,637
+HK$438/mo
Deposit HK$990K · loan HK$1.49M · min. income ≈ HK$14,398/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,537
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,739
−HK$205/mo
Today · 4.125%
HK$7,944
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$419/mo
Deposit HK$990K · loan HK$1.49M · min. income ≈ HK$15,888/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,904
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$249/mo
Today · 4.125%
HK$8,399
baseline
▲ 0.50% · 4.625%
HK$8,910
+HK$511/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$16,798/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,793
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$239/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,756
+HK$488/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$18,536/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,162
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$321/mo
Today · 4.125%
HK$10,799
baseline
▲ 0.50% · 4.625%
HK$11,456
+HK$657/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,598/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$11,305
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,608
−HK$308/mo
Today · 4.125%
HK$11,916
baseline
▲ 0.50% · 4.625%
HK$12,544
+HK$628/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,832/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).