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$5,479
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,650
−HK$173/mo
Today · 4.125%
HK$5,823
baseline
▲ 0.50% · 4.625%
HK$6,177
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,646/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$6,095
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,259
−HK$166/mo
Today · 4.125%
HK$6,425
baseline
▲ 0.50% · 4.625%
HK$6,763
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,850/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$6,575
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$208/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,974/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,315
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,511
−HK$199/mo
Today · 4.125%
HK$7,710
baseline
▲ 0.50% · 4.625%
HK$8,116
+HK$406/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,420/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,671
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$243/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,648
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,304/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,534
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$233/mo
Today · 4.125%
HK$8,995
baseline
▲ 0.50% · 4.625%
HK$9,469
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,990/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,862
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$312/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,119
+HK$638/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,962/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$10,972
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,266
−HK$299/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,174
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,130/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).