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$343/mo
▼ 0.25% · 3.875%
HK$5,647
−HK$173/mo
Today · 4.125%
HK$5,820
baseline
▲ 0.50% · 4.625%
HK$6,174
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,640/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$6,256
−HK$166/mo
Today · 4.125%
HK$6,422
baseline
▲ 0.50% · 4.625%
HK$6,760
+HK$338/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$6,572
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,776
−HK$208/mo
Today · 4.125%
HK$6,984
baseline
▲ 0.50% · 4.625%
HK$7,409
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,968/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$7,311
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$199/mo
Today · 4.125%
HK$7,706
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$406/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,412/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$7,667
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$242/mo
Today · 4.125%
HK$8,148
baseline
▲ 0.50% · 4.625%
HK$8,644
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,296/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$460/mo
▼ 0.25% · 3.875%
HK$8,758
−HK$232/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,980/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$9,858
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$312/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,113
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,952/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$10,967
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$298/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,169
+HK$610/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,118/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).