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$343/mo
▼ 0.25% · 3.875%
HK$5,652
−HK$173/mo
Today · 4.125%
HK$5,825
baseline
▲ 0.50% · 4.625%
HK$6,180
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,650/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$6,098
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$166/mo
Today · 4.125%
HK$6,428
baseline
▲ 0.50% · 4.625%
HK$6,766
+HK$338/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$412/mo
▼ 0.25% · 3.875%
HK$6,782
−HK$208/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,416
+HK$426/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$13,980/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$395/mo
▼ 0.25% · 3.875%
HK$7,514
−HK$199/mo
Today · 4.125%
HK$7,713
baseline
▲ 0.50% · 4.625%
HK$8,120
+HK$407/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$15,426/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$7,674
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,913
−HK$242/mo
Today · 4.125%
HK$8,155
baseline
▲ 0.50% · 4.625%
HK$8,652
+HK$497/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,310/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$8,537
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,766
−HK$233/mo
Today · 4.125%
HK$8,999
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$474/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$9,867
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,174
−HK$311/mo
Today · 4.125%
HK$10,485
baseline
▲ 0.50% · 4.625%
HK$11,123
+HK$638/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,970/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$10,977
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$299/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,180
+HK$610/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,140/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).