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$5,460
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,630
−HK$172/mo
Today · 4.125%
HK$5,802
baseline
▲ 0.50% · 4.625%
HK$6,155
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,604/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$6,074
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,237
−HK$165/mo
Today · 4.125%
HK$6,402
baseline
▲ 0.50% · 4.625%
HK$6,740
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,804/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$6,552
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,756
−HK$207/mo
Today · 4.125%
HK$6,963
baseline
▲ 0.50% · 4.625%
HK$7,386
+HK$423/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,926/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,289
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,484
−HK$199/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,088
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,366/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,644
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$241/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$495/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$16,246/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$8,504
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$231/mo
Today · 4.125%
HK$8,963
baseline
▲ 0.50% · 4.625%
HK$9,436
+HK$473/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$17,926/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$9,828
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$310/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$636/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,888/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$10,933
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$297/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,132
+HK$608/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,048/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).