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$5,661
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,837
−HK$179/mo
Today · 4.125%
HK$6,016
baseline
▲ 0.50% · 4.625%
HK$6,382
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,032/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$6,298
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,467
−HK$171/mo
Today · 4.125%
HK$6,638
baseline
▲ 0.50% · 4.625%
HK$6,988
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,276/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$6,794
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,005
−HK$215/mo
Today · 4.125%
HK$7,220
baseline
▲ 0.50% · 4.625%
HK$7,659
+HK$439/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$14,440/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,558
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,761
−HK$205/mo
Today · 4.125%
HK$7,966
baseline
▲ 0.50% · 4.625%
HK$8,386
+HK$420/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$15,932/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,926
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$251/mo
Today · 4.125%
HK$8,423
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$512/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,846/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$8,817
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,054
−HK$240/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,784
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,588/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$10,190
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$322/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,488
+HK$659/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,658/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$11,337
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$308/mo
Today · 4.125%
HK$11,949
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$630/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,898/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).