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$5,647
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,823
−HK$178/mo
Today · 4.125%
HK$6,001
baseline
▲ 0.50% · 4.625%
HK$6,366
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,002/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$6,282
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,451
−HK$171/mo
Today · 4.125%
HK$6,622
baseline
▲ 0.50% · 4.625%
HK$6,971
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,244/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$6,776
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,987
−HK$214/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$438/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,402/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,539
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,741
−HK$205/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,365
+HK$419/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,892/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,906
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$249/mo
Today · 4.125%
HK$8,401
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$512/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$16,802/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,795
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$239/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$489/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$18,540/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,164
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$321/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$657/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,604/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$11,308
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$308/mo
Today · 4.125%
HK$11,919
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$628/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,838/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).