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$5,474
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,644
−HK$173/mo
Today · 4.125%
HK$5,817
baseline
▲ 0.50% · 4.625%
HK$6,171
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,634/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$6,090
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,253
−HK$166/mo
Today · 4.125%
HK$6,419
baseline
▲ 0.50% · 4.625%
HK$6,757
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,838/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$6,569
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$208/mo
Today · 4.125%
HK$6,981
baseline
▲ 0.50% · 4.625%
HK$7,406
+HK$425/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$13,962/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,308
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$199/mo
Today · 4.125%
HK$7,703
baseline
▲ 0.50% · 4.625%
HK$8,109
+HK$406/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$15,406/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,664
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$242/mo
Today · 4.125%
HK$8,144
baseline
▲ 0.50% · 4.625%
HK$8,640
+HK$496/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,288/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,526
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,754
−HK$232/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,460
+HK$474/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,972/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,853
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,160
−HK$311/mo
Today · 4.125%
HK$10,471
baseline
▲ 0.50% · 4.625%
HK$11,108
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,942/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$10,962
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$298/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,163
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,108/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).