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$5,464
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,634
−HK$172/mo
Today · 4.125%
HK$5,806
baseline
▲ 0.50% · 4.625%
HK$6,160
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,612/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$6,078
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,241
−HK$166/mo
Today · 4.125%
HK$6,407
baseline
▲ 0.50% · 4.625%
HK$6,745
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,814/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$6,557
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,760
−HK$208/mo
Today · 4.125%
HK$6,968
baseline
▲ 0.50% · 4.625%
HK$7,392
+HK$424/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,936/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$7,294
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,490
−HK$198/mo
Today · 4.125%
HK$7,688
baseline
▲ 0.50% · 4.625%
HK$8,093
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,376/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$7,649
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,887
−HK$242/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$495/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,258/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$8,510
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$232/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,442
+HK$472/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,940/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$9,835
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,141
−HK$311/mo
Today · 4.125%
HK$10,452
baseline
▲ 0.50% · 4.625%
HK$11,087
+HK$635/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,904/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$10,941
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$297/mo
Today · 4.125%
HK$11,532
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,064/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).