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$5,477
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,647
−HK$174/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,175
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,642/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$6,093
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,257
−HK$165/mo
Today · 4.125%
HK$6,422
baseline
▲ 0.50% · 4.625%
HK$6,761
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,844/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$6,573
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,777
−HK$208/mo
Today · 4.125%
HK$6,985
baseline
▲ 0.50% · 4.625%
HK$7,410
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,970/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$7,312
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,508
−HK$199/mo
Today · 4.125%
HK$7,707
baseline
▲ 0.50% · 4.625%
HK$8,113
+HK$406/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,414/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$7,668
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$243/mo
Today · 4.125%
HK$8,149
baseline
▲ 0.50% · 4.625%
HK$8,645
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,298/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$8,530
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,759
−HK$232/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,465
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,982/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$9,859
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,165
−HK$312/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,954/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$10,968
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$298/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,170
+HK$610/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,120/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).