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$5,459
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,628
−HK$173/mo
Today · 4.125%
HK$5,801
baseline
▲ 0.50% · 4.625%
HK$6,154
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,602/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$6,073
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$165/mo
Today · 4.125%
HK$6,401
baseline
▲ 0.50% · 4.625%
HK$6,738
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,802/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$6,550
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,754
−HK$207/mo
Today · 4.125%
HK$6,961
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$424/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,922/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$7,287
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,483
−HK$198/mo
Today · 4.125%
HK$7,681
baseline
▲ 0.50% · 4.625%
HK$8,086
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,362/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$7,642
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,880
−HK$241/mo
Today · 4.125%
HK$8,121
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$494/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$16,242/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$8,502
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,730
−HK$231/mo
Today · 4.125%
HK$8,961
baseline
▲ 0.50% · 4.625%
HK$9,433
+HK$472/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$17,922/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$9,826
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$311/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$11,077
+HK$635/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,884/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$10,931
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$297/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$608/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,042/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).