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$5,463
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,633
−HK$173/mo
Today · 4.125%
HK$5,806
baseline
▲ 0.50% · 4.625%
HK$6,159
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,612/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$6,078
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,241
−HK$165/mo
Today · 4.125%
HK$6,406
baseline
▲ 0.50% · 4.625%
HK$6,744
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,812/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$6,556
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,760
−HK$207/mo
Today · 4.125%
HK$6,967
baseline
▲ 0.50% · 4.625%
HK$7,391
+HK$424/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,934/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,293
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,489
−HK$198/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,092
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,374/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,648
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$242/mo
Today · 4.125%
HK$8,128
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$494/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,256/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$8,509
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$231/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$473/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,936/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$9,834
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$311/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,086
+HK$636/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,900/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$10,940
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$298/mo
Today · 4.125%
HK$11,531
baseline
▲ 0.50% · 4.625%
HK$12,139
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,062/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).