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$5,482
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,652
−HK$174/mo
Today · 4.125%
HK$5,826
baseline
▲ 0.50% · 4.625%
HK$6,180
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,652/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$6,099
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$166/mo
Today · 4.125%
HK$6,428
baseline
▲ 0.50% · 4.625%
HK$6,767
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,856/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$6,578
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,783
−HK$208/mo
Today · 4.125%
HK$6,991
baseline
▲ 0.50% · 4.625%
HK$7,416
+HK$425/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$13,982/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$7,318
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,515
−HK$199/mo
Today · 4.125%
HK$7,714
baseline
▲ 0.50% · 4.625%
HK$8,120
+HK$406/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$15,428/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$7,675
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,913
−HK$243/mo
Today · 4.125%
HK$8,156
baseline
▲ 0.50% · 4.625%
HK$8,652
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,312/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$8,538
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$232/mo
Today · 4.125%
HK$8,999
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$475/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,998/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$9,868
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,174
−HK$312/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,124
+HK$638/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,972/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,978
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$299/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$610/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,142/mo (50% DSR)
Upfront cash ≈ HK$241K (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).