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$5,675
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,852
−HK$179/mo
Today · 4.125%
HK$6,031
baseline
▲ 0.50% · 4.625%
HK$6,398
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,062/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$6,313
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,483
−HK$172/mo
Today · 4.125%
HK$6,655
baseline
▲ 0.50% · 4.625%
HK$7,005
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,310/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$6,810
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,022
−HK$215/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$441/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$14,474/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,576
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$206/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,406
+HK$421/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$15,970/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,945
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,192
−HK$251/mo
Today · 4.125%
HK$8,443
baseline
▲ 0.50% · 4.625%
HK$8,957
+HK$514/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$16,886/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,839
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,076
−HK$240/mo
Today · 4.125%
HK$9,316
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$491/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,632/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,215
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$323/mo
Today · 4.125%
HK$10,856
baseline
▲ 0.50% · 4.625%
HK$11,516
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,712/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$11,364
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$309/mo
Today · 4.125%
HK$11,978
baseline
▲ 0.50% · 4.625%
HK$12,610
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,956/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).