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$5,462
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,632
−HK$173/mo
Today · 4.125%
HK$5,805
baseline
▲ 0.50% · 4.625%
HK$6,158
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,610/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$6,076
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$166/mo
Today · 4.125%
HK$6,405
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,810/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$6,554
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,758
−HK$207/mo
Today · 4.125%
HK$6,965
baseline
▲ 0.50% · 4.625%
HK$7,389
+HK$424/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,930/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,292
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,487
−HK$199/mo
Today · 4.125%
HK$7,686
baseline
▲ 0.50% · 4.625%
HK$8,091
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,372/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,647
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,885
−HK$241/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,621
+HK$495/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,252/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,507
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$232/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,439
+HK$472/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,934/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,832
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$311/mo
Today · 4.125%
HK$10,448
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$636/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,896/mo (50% DSR)
Upfront cash ≈ HK$240K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,938
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$297/mo
Today · 4.125%
HK$11,528
baseline
▲ 0.50% · 4.625%
HK$12,136
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,056/mo (50% DSR)
Upfront cash ≈ HK$240K (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).