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$5,463
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,633
−HK$172/mo
Today · 4.125%
HK$5,805
baseline
▲ 0.50% · 4.625%
HK$6,159
+HK$354/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$6,077
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,240
−HK$166/mo
Today · 4.125%
HK$6,406
baseline
▲ 0.50% · 4.625%
HK$6,743
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,812/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$6,555
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,759
−HK$207/mo
Today · 4.125%
HK$6,966
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$424/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,932/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$7,293
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$199/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,092
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,374/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$7,648
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$241/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$495/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,254/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$8,508
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$232/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$472/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,936/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$9,833
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$310/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,085
+HK$636/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,898/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$10,939
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$298/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,138
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,060/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).