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$5,475
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,646
−HK$173/mo
Today · 4.125%
HK$5,819
baseline
▲ 0.50% · 4.625%
HK$6,173
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,638/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$6,091
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$165/mo
Today · 4.125%
HK$6,420
baseline
▲ 0.50% · 4.625%
HK$6,759
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,840/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$6,570
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,775
−HK$207/mo
Today · 4.125%
HK$6,982
baseline
▲ 0.50% · 4.625%
HK$7,407
+HK$425/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$13,964/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,309
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,505
−HK$199/mo
Today · 4.125%
HK$7,704
baseline
▲ 0.50% · 4.625%
HK$8,110
+HK$406/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$15,408/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,665
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$242/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$496/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,292/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$8,528
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$232/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$474/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,976/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$9,856
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$312/mo
Today · 4.125%
HK$10,474
baseline
▲ 0.50% · 4.625%
HK$11,111
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,948/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$10,964
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,258
−HK$299/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,114/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).