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$5,643
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,818
−HK$179/mo
Today · 4.125%
HK$5,997
baseline
▲ 0.50% · 4.625%
HK$6,362
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,994/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$6,278
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,446
−HK$171/mo
Today · 4.125%
HK$6,617
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,234/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$6,771
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,982
−HK$214/mo
Today · 4.125%
HK$7,196
baseline
▲ 0.50% · 4.625%
HK$7,634
+HK$438/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$14,392/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$7,533
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,735
−HK$205/mo
Today · 4.125%
HK$7,940
baseline
▲ 0.50% · 4.625%
HK$8,359
+HK$419/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$15,880/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$7,900
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,146
−HK$249/mo
Today · 4.125%
HK$8,395
baseline
▲ 0.50% · 4.625%
HK$8,906
+HK$511/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,790/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$8,789
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,024
−HK$239/mo
Today · 4.125%
HK$9,263
baseline
▲ 0.50% · 4.625%
HK$9,752
+HK$489/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,526/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$10,157
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$321/mo
Today · 4.125%
HK$10,794
baseline
▲ 0.50% · 4.625%
HK$11,451
+HK$657/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$21,588/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$11,300
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$307/mo
Today · 4.125%
HK$11,910
baseline
▲ 0.50% · 4.625%
HK$12,538
+HK$628/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$23,820/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).