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$5,465
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,635
−HK$173/mo
Today · 4.125%
HK$5,808
baseline
▲ 0.50% · 4.625%
HK$6,161
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,616/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$6,080
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,243
−HK$165/mo
Today · 4.125%
HK$6,408
baseline
▲ 0.50% · 4.625%
HK$6,746
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,816/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$6,558
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,762
−HK$208/mo
Today · 4.125%
HK$6,970
baseline
▲ 0.50% · 4.625%
HK$7,394
+HK$424/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$13,940/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,296
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,492
−HK$198/mo
Today · 4.125%
HK$7,690
baseline
▲ 0.50% · 4.625%
HK$8,096
+HK$406/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$15,380/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,651
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,889
−HK$242/mo
Today · 4.125%
HK$8,131
baseline
▲ 0.50% · 4.625%
HK$8,626
+HK$495/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,262/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$8,512
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$232/mo
Today · 4.125%
HK$8,972
baseline
▲ 0.50% · 4.625%
HK$9,445
+HK$473/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,944/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$9,837
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$311/mo
Today · 4.125%
HK$10,454
baseline
▲ 0.50% · 4.625%
HK$11,090
+HK$636/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,908/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$10,944
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$297/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,070/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).