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$5,455
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,625
−HK$172/mo
Today · 4.125%
HK$5,797
baseline
▲ 0.50% · 4.625%
HK$6,150
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,594/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$6,069
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,232
−HK$165/mo
Today · 4.125%
HK$6,397
baseline
▲ 0.50% · 4.625%
HK$6,734
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,794/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$6,546
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$207/mo
Today · 4.125%
HK$6,957
baseline
▲ 0.50% · 4.625%
HK$7,380
+HK$423/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$13,914/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,283
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,478
−HK$198/mo
Today · 4.125%
HK$7,676
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$405/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$15,352/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,637
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,875
−HK$241/mo
Today · 4.125%
HK$8,116
baseline
▲ 0.50% · 4.625%
HK$8,610
+HK$494/mo
Deposit HK$718K · loan HK$1.67M · min. income ≈ HK$16,232/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,496
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,724
−HK$231/mo
Today · 4.125%
HK$8,955
baseline
▲ 0.50% · 4.625%
HK$9,427
+HK$472/mo
Deposit HK$718K · loan HK$1.67M · min. income ≈ HK$17,910/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,819
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,125
−HK$310/mo
Today · 4.125%
HK$10,435
baseline
▲ 0.50% · 4.625%
HK$11,070
+HK$635/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,870/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,924
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,217
−HK$297/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,121
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,028/mo (50% DSR)
Upfront cash ≈ HK$239K (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).