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$5,472
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,643
−HK$172/mo
Today · 4.125%
HK$5,815
baseline
▲ 0.50% · 4.625%
HK$6,169
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,630/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$6,088
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,251
−HK$166/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,755
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,834/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$6,567
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,771
−HK$208/mo
Today · 4.125%
HK$6,979
baseline
▲ 0.50% · 4.625%
HK$7,403
+HK$424/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$13,958/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,305
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,501
−HK$199/mo
Today · 4.125%
HK$7,700
baseline
▲ 0.50% · 4.625%
HK$8,106
+HK$406/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$15,400/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,661
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$242/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,637
+HK$495/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,284/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,523
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$232/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,457
+HK$473/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,968/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,850
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$311/mo
Today · 4.125%
HK$10,468
baseline
▲ 0.50% · 4.625%
HK$11,105
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,936/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$10,958
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$298/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,159
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,100/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).