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$5,468
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,638
−HK$173/mo
Today · 4.125%
HK$5,811
baseline
▲ 0.50% · 4.625%
HK$6,164
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,622/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$6,083
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,246
−HK$166/mo
Today · 4.125%
HK$6,412
baseline
▲ 0.50% · 4.625%
HK$6,750
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,824/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$6,561
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,766
−HK$207/mo
Today · 4.125%
HK$6,973
baseline
▲ 0.50% · 4.625%
HK$7,397
+HK$424/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$13,946/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$7,300
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$199/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,099
+HK$405/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$15,388/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$7,655
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,893
−HK$242/mo
Today · 4.125%
HK$8,135
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$495/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,270/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$8,516
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,745
−HK$231/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,449
+HK$473/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,952/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$9,842
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$311/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,096
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,918/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$10,949
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$298/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,149
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,082/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).