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$5,491
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,662
−HK$173/mo
Today · 4.125%
HK$5,835
baseline
▲ 0.50% · 4.625%
HK$6,190
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,670/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$6,108
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,272
−HK$166/mo
Today · 4.125%
HK$6,438
baseline
▲ 0.50% · 4.625%
HK$6,778
+HK$340/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,876/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$6,589
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$208/mo
Today · 4.125%
HK$7,002
baseline
▲ 0.50% · 4.625%
HK$7,428
+HK$426/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$14,004/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,330
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,527
−HK$199/mo
Today · 4.125%
HK$7,726
baseline
▲ 0.50% · 4.625%
HK$8,133
+HK$407/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$15,452/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,687
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$243/mo
Today · 4.125%
HK$8,169
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$497/mo
Deposit HK$722K · loan HK$1.69M · min. income ≈ HK$16,338/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,552
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$233/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,489
+HK$475/mo
Deposit HK$722K · loan HK$1.69M · min. income ≈ HK$18,028/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,883
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$312/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,142
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,006/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$10,995
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$299/mo
Today · 4.125%
HK$11,589
baseline
▲ 0.50% · 4.625%
HK$12,200
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,178/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).