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$5,644
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,819
−HK$178/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$340/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$171/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,236/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$6,772
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,983
−HK$214/mo
Today · 4.125%
HK$7,197
baseline
▲ 0.50% · 4.625%
HK$7,635
+HK$438/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$14,394/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$7,534
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,736
−HK$205/mo
Today · 4.125%
HK$7,941
baseline
▲ 0.50% · 4.625%
HK$8,360
+HK$419/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$15,882/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$7,901
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,147
−HK$249/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,907
+HK$511/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,792/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$8,790
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,026
−HK$239/mo
Today · 4.125%
HK$9,265
baseline
▲ 0.50% · 4.625%
HK$9,753
+HK$488/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,530/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$10,158
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,474
−HK$321/mo
Today · 4.125%
HK$10,795
baseline
▲ 0.50% · 4.625%
HK$11,452
+HK$657/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$21,590/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$11,301
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$308/mo
Today · 4.125%
HK$11,912
baseline
▲ 0.50% · 4.625%
HK$12,540
+HK$628/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$23,824/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).