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$5,637
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,813
−HK$178/mo
Today · 4.125%
HK$5,991
baseline
▲ 0.50% · 4.625%
HK$6,355
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,982/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$6,272
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,440
−HK$170/mo
Today · 4.125%
HK$6,610
baseline
▲ 0.50% · 4.625%
HK$6,959
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,220/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$6,765
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$214/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,627
+HK$438/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$14,378/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,526
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,728
−HK$205/mo
Today · 4.125%
HK$7,933
baseline
▲ 0.50% · 4.625%
HK$8,351
+HK$418/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$15,866/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,892
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,138
−HK$249/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$511/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,774/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,780
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$239/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$487/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,510/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,147
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,463
−HK$321/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$656/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$21,568/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,289
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$307/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$627/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$23,798/mo (50% DSR)
Upfront cash ≈ HK$247K (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).