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$5,681
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,858
−HK$179/mo
Today · 4.125%
HK$6,037
baseline
▲ 0.50% · 4.625%
HK$6,404
+HK$367/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,074/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,320
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,489
−HK$172/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,013
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,322/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,817
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,029
−HK$216/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,685
+HK$440/mo
Deposit HK$997K · loan HK$1.49M · min. income ≈ HK$14,490/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,584
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,787
−HK$207/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,415
+HK$421/mo
Deposit HK$997K · loan HK$1.49M · min. income ≈ HK$15,988/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,953
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,201
−HK$251/mo
Today · 4.125%
HK$8,452
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$514/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$16,904/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,848
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,085
−HK$241/mo
Today · 4.125%
HK$9,326
baseline
▲ 0.50% · 4.625%
HK$9,818
+HK$492/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,652/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,226
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$323/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,734/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$11,376
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,681
−HK$309/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$633/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,980/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).