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$5,487
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,658
−HK$173/mo
Today · 4.125%
HK$5,831
baseline
▲ 0.50% · 4.625%
HK$6,186
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,662/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$6,104
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,268
−HK$166/mo
Today · 4.125%
HK$6,434
baseline
▲ 0.50% · 4.625%
HK$6,773
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,868/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$6,584
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,789
−HK$208/mo
Today · 4.125%
HK$6,997
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$426/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$13,994/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$7,325
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,522
−HK$199/mo
Today · 4.125%
HK$7,721
baseline
▲ 0.50% · 4.625%
HK$8,128
+HK$407/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$15,442/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$7,682
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,921
−HK$243/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,660
+HK$496/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$16,328/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$8,546
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,775
−HK$233/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,482
+HK$474/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$18,016/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$9,877
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$312/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,135
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$20,992/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$10,988
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$299/mo
Today · 4.125%
HK$11,581
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,162/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).