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$5,679
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$180/mo
Today · 4.125%
HK$6,036
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$367/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,072/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$6,318
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,488
−HK$172/mo
Today · 4.125%
HK$6,660
baseline
▲ 0.50% · 4.625%
HK$7,011
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,320/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$6,815
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,027
−HK$216/mo
Today · 4.125%
HK$7,243
baseline
▲ 0.50% · 4.625%
HK$7,683
+HK$440/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$14,486/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$7,582
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$207/mo
Today · 4.125%
HK$7,992
baseline
▲ 0.50% · 4.625%
HK$8,413
+HK$421/mo
Deposit HK$996K · loan HK$1.49M · min. income ≈ HK$15,984/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$7,951
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,199
−HK$251/mo
Today · 4.125%
HK$8,450
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$514/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$16,900/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$8,846
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,083
−HK$241/mo
Today · 4.125%
HK$9,324
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$491/mo
Deposit HK$747K · loan HK$1.74M · min. income ≈ HK$18,648/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$10,223
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$323/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,728/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$11,373
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,678
−HK$309/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,974/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).