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$5,484
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,654
−HK$173/mo
Today · 4.125%
HK$5,827
baseline
▲ 0.50% · 4.625%
HK$6,182
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,654/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$6,100
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,264
−HK$166/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,860/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$6,580
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,785
−HK$208/mo
Today · 4.125%
HK$6,993
baseline
▲ 0.50% · 4.625%
HK$7,418
+HK$425/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$13,986/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,321
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,517
−HK$199/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,123
+HK$407/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$15,432/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,677
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,916
−HK$242/mo
Today · 4.125%
HK$8,158
baseline
▲ 0.50% · 4.625%
HK$8,655
+HK$497/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,316/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$8,541
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,770
−HK$232/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,477
+HK$475/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$18,004/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$9,870
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$312/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,128
+HK$639/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,978/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$10,981
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$299/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$610/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,148/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).