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$5,651
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,827
−HK$179/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,012/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$6,287
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$171/mo
Today · 4.125%
HK$6,627
baseline
▲ 0.50% · 4.625%
HK$6,976
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,254/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$6,781
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$215/mo
Today · 4.125%
HK$7,207
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$438/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,414/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,544
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$205/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$419/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,904/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,912
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,158
−HK$250/mo
Today · 4.125%
HK$8,408
baseline
▲ 0.50% · 4.625%
HK$8,919
+HK$511/mo
Deposit HK$744K · loan HK$1.73M · min. income ≈ HK$16,816/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$8,802
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,038
−HK$239/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$489/mo
Deposit HK$744K · loan HK$1.73M · min. income ≈ HK$18,554/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$10,172
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,489
−HK$321/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,468
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,620/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$11,317
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,620
−HK$308/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,856/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).