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$5,479
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,649
−HK$173/mo
Today · 4.125%
HK$5,822
baseline
▲ 0.50% · 4.625%
HK$6,177
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,644/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$6,095
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,259
−HK$165/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,763
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,848/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$6,575
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$208/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,974/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,314
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$199/mo
Today · 4.125%
HK$7,709
baseline
▲ 0.50% · 4.625%
HK$8,116
+HK$407/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,418/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,670
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$242/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,647
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,302/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,533
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$232/mo
Today · 4.125%
HK$8,994
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,988/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,862
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$311/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$638/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,960/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$10,971
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$299/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,128/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).