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$5,493
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$173/mo
Today · 4.125%
HK$5,837
baseline
▲ 0.50% · 4.625%
HK$6,193
+HK$356/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,674/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$6,111
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,275
−HK$166/mo
Today · 4.125%
HK$6,441
baseline
▲ 0.50% · 4.625%
HK$6,780
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,882/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$6,592
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,797
−HK$208/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,431
+HK$426/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$14,010/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,333
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,530
−HK$199/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,137
+HK$408/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$15,458/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,690
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,929
−HK$243/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,670
+HK$498/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,344/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,555
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,785
−HK$232/mo
Today · 4.125%
HK$9,017
baseline
▲ 0.50% · 4.625%
HK$9,493
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,034/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,887
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$312/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,147
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,014/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$10,999
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$300/mo
Today · 4.125%
HK$11,594
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,188/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).