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$5,473
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,643
−HK$173/mo
Today · 4.125%
HK$5,816
baseline
▲ 0.50% · 4.625%
HK$6,170
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,632/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$6,088
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,252
−HK$165/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,756
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,834/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$6,567
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,772
−HK$207/mo
Today · 4.125%
HK$6,979
baseline
▲ 0.50% · 4.625%
HK$7,404
+HK$425/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$13,958/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,306
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,502
−HK$199/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,107
+HK$406/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$15,402/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,662
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$242/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,638
+HK$496/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,284/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,524
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$232/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,458
+HK$474/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,968/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,851
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$312/mo
Today · 4.125%
HK$10,469
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,938/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$10,959
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$298/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,102/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).