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$5,481
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,651
−HK$174/mo
Today · 4.125%
HK$5,825
baseline
▲ 0.50% · 4.625%
HK$6,179
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,650/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$6,098
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,261
−HK$166/mo
Today · 4.125%
HK$6,427
baseline
▲ 0.50% · 4.625%
HK$6,766
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,854/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$6,577
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,782
−HK$208/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,980/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,317
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$199/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,119
+HK$407/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,424/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,673
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,912
−HK$243/mo
Today · 4.125%
HK$8,155
baseline
▲ 0.50% · 4.625%
HK$8,651
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,310/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$8,537
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$233/mo
Today · 4.125%
HK$8,998
baseline
▲ 0.50% · 4.625%
HK$9,472
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,996/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$9,866
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,173
−HK$311/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,122
+HK$638/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,968/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$10,976
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$298/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,178
+HK$610/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,136/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).