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$5,682
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,859
−HK$180/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,406
+HK$367/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,078/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$6,322
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,491
−HK$172/mo
Today · 4.125%
HK$6,663
baseline
▲ 0.50% · 4.625%
HK$7,014
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,326/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$6,819
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,031
−HK$216/mo
Today · 4.125%
HK$7,247
baseline
▲ 0.50% · 4.625%
HK$7,687
+HK$440/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$14,494/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,586
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$207/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,417
+HK$421/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$15,992/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,955
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,203
−HK$251/mo
Today · 4.125%
HK$8,454
baseline
▲ 0.50% · 4.625%
HK$8,969
+HK$515/mo
Deposit HK$748K · loan HK$1.74M · min. income ≈ HK$16,908/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,850
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,088
−HK$240/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,820
+HK$492/mo
Deposit HK$748K · loan HK$1.74M · min. income ≈ HK$18,656/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,228
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$323/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,531
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,740/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$11,379
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,684
−HK$310/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,626
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,988/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).