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$5,660
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,836
−HK$179/mo
Today · 4.125%
HK$6,015
baseline
▲ 0.50% · 4.625%
HK$6,381
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,030/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$6,297
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,466
−HK$171/mo
Today · 4.125%
HK$6,637
baseline
▲ 0.50% · 4.625%
HK$6,987
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,274/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$6,792
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$215/mo
Today · 4.125%
HK$7,218
baseline
▲ 0.50% · 4.625%
HK$7,657
+HK$439/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$14,436/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,556
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$205/mo
Today · 4.125%
HK$7,964
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$420/mo
Deposit HK$993K · loan HK$1.49M · min. income ≈ HK$15,928/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,924
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,170
−HK$251/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$512/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,842/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,815
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,052
−HK$240/mo
Today · 4.125%
HK$9,292
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$489/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,584/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,188
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$322/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,486
+HK$659/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,654/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$11,334
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,638
−HK$308/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,576
+HK$630/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,892/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).