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$5,456
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,626
−HK$173/mo
Today · 4.125%
HK$5,799
baseline
▲ 0.50% · 4.625%
HK$6,152
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,598/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$6,070
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,233
−HK$165/mo
Today · 4.125%
HK$6,398
baseline
▲ 0.50% · 4.625%
HK$6,736
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,796/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$6,548
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,751
−HK$207/mo
Today · 4.125%
HK$6,958
baseline
▲ 0.50% · 4.625%
HK$7,382
+HK$424/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$13,916/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,284
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,480
−HK$198/mo
Today · 4.125%
HK$7,678
baseline
▲ 0.50% · 4.625%
HK$8,083
+HK$405/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$15,356/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,639
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,877
−HK$241/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$494/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$16,236/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$8,498
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$232/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$472/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$17,916/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$9,822
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,127
−HK$311/mo
Today · 4.125%
HK$10,438
baseline
▲ 0.50% · 4.625%
HK$11,073
+HK$635/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,876/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,927
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$297/mo
Today · 4.125%
HK$11,517
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,034/mo (50% DSR)
Upfront cash ≈ HK$239K (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).