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$5,488
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,659
−HK$173/mo
Today · 4.125%
HK$5,832
baseline
▲ 0.50% · 4.625%
HK$6,187
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,664/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,105
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$166/mo
Today · 4.125%
HK$6,435
baseline
▲ 0.50% · 4.625%
HK$6,774
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,870/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,586
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,790
−HK$209/mo
Today · 4.125%
HK$6,999
baseline
▲ 0.50% · 4.625%
HK$7,424
+HK$425/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$13,998/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,326
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,523
−HK$199/mo
Today · 4.125%
HK$7,722
baseline
▲ 0.50% · 4.625%
HK$8,129
+HK$407/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$15,444/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,683
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$243/mo
Today · 4.125%
HK$8,165
baseline
▲ 0.50% · 4.625%
HK$8,662
+HK$497/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$16,330/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,547
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$232/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,484
+HK$475/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$18,018/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,878
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$312/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,137
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$20,996/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,990
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,284
−HK$299/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,166/mo (50% DSR)
Upfront cash ≈ HK$241K (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).