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$5,641
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,816
−HK$179/mo
Today · 4.125%
HK$5,995
baseline
▲ 0.50% · 4.625%
HK$6,359
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,990/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$6,275
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,444
−HK$170/mo
Today · 4.125%
HK$6,614
baseline
▲ 0.50% · 4.625%
HK$6,963
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,228/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$6,769
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,980
−HK$214/mo
Today · 4.125%
HK$7,194
baseline
▲ 0.50% · 4.625%
HK$7,631
+HK$437/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$14,388/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$7,531
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,732
−HK$205/mo
Today · 4.125%
HK$7,937
baseline
▲ 0.50% · 4.625%
HK$8,356
+HK$419/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$15,874/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$7,897
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,143
−HK$249/mo
Today · 4.125%
HK$8,392
baseline
▲ 0.50% · 4.625%
HK$8,903
+HK$511/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,784/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$8,786
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,021
−HK$239/mo
Today · 4.125%
HK$9,260
baseline
▲ 0.50% · 4.625%
HK$9,748
+HK$488/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,520/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$10,154
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,469
−HK$321/mo
Today · 4.125%
HK$10,790
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$657/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$21,580/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$11,296
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$307/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$628/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$23,812/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).