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$5,486
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,657
−HK$173/mo
Today · 4.125%
HK$5,830
baseline
▲ 0.50% · 4.625%
HK$6,185
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,660/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$6,104
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,267
−HK$166/mo
Today · 4.125%
HK$6,433
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,866/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$6,584
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,788
−HK$209/mo
Today · 4.125%
HK$6,997
baseline
▲ 0.50% · 4.625%
HK$7,422
+HK$425/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$13,994/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,324
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$199/mo
Today · 4.125%
HK$7,720
baseline
▲ 0.50% · 4.625%
HK$8,127
+HK$407/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$15,440/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,681
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,920
−HK$243/mo
Today · 4.125%
HK$8,163
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$496/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$16,326/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$8,545
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$233/mo
Today · 4.125%
HK$9,007
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$474/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$18,014/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$9,875
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$312/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,133
+HK$638/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$20,990/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$10,986
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$299/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,190
+HK$610/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,160/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).