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$5,632
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,808
−HK$178/mo
Today · 4.125%
HK$5,986
baseline
▲ 0.50% · 4.625%
HK$6,350
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,972/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$6,266
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,434
−HK$170/mo
Today · 4.125%
HK$6,604
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,208/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$6,759
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,969
−HK$214/mo
Today · 4.125%
HK$7,183
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$437/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$14,366/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,519
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,721
−HK$204/mo
Today · 4.125%
HK$7,925
baseline
▲ 0.50% · 4.625%
HK$8,343
+HK$418/mo
Deposit HK$988K · loan HK$1.48M · min. income ≈ HK$15,850/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,885
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,131
−HK$249/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,890
+HK$510/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$16,760/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,772
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,008
−HK$238/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,734
+HK$488/mo
Deposit HK$741K · loan HK$1.73M · min. income ≈ HK$18,492/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,138
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,454
−HK$320/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$655/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,548/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$11,279
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$307/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,515
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,776/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).