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$5,460
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,630
−HK$173/mo
Today · 4.125%
HK$5,803
baseline
▲ 0.50% · 4.625%
HK$6,156
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,606/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$6,074
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,237
−HK$166/mo
Today · 4.125%
HK$6,403
baseline
▲ 0.50% · 4.625%
HK$6,740
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,806/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$6,552
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,756
−HK$207/mo
Today · 4.125%
HK$6,963
baseline
▲ 0.50% · 4.625%
HK$7,387
+HK$424/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,926/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$7,289
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,485
−HK$198/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,088
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,366/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$7,644
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$242/mo
Today · 4.125%
HK$8,124
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$494/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$16,248/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,504
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$232/mo
Today · 4.125%
HK$8,964
baseline
▲ 0.50% · 4.625%
HK$9,436
+HK$472/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$17,928/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,828
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$311/mo
Today · 4.125%
HK$10,445
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$635/mo
Deposit HK$239K · loan HK$2.16M · min. income ≈ HK$20,890/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$10,934
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$298/mo
Today · 4.125%
HK$11,525
baseline
▲ 0.50% · 4.625%
HK$12,132
+HK$607/mo
Deposit HK$239K · loan HK$2.16M · min. income ≈ HK$23,050/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).