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$5,664
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$179/mo
Today · 4.125%
HK$6,020
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,040/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$6,302
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$171/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$6,992
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,284/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$6,797
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$215/mo
Today · 4.125%
HK$7,224
baseline
▲ 0.50% · 4.625%
HK$7,663
+HK$439/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,448/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,562
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$205/mo
Today · 4.125%
HK$7,970
baseline
▲ 0.50% · 4.625%
HK$8,391
+HK$421/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,940/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,930
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,177
−HK$250/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$513/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,854/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,822
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,059
−HK$240/mo
Today · 4.125%
HK$9,299
baseline
▲ 0.50% · 4.625%
HK$9,789
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,598/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,196
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$322/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$660/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$21,670/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$11,343
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$309/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$630/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$23,912/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).