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$5,462
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,631
−HK$173/mo
Today · 4.125%
HK$5,804
baseline
▲ 0.50% · 4.625%
HK$6,157
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,608/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$6,076
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$165/mo
Today · 4.125%
HK$6,404
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,808/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$6,554
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,758
−HK$207/mo
Today · 4.125%
HK$6,965
baseline
▲ 0.50% · 4.625%
HK$7,389
+HK$424/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,930/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$7,291
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,487
−HK$198/mo
Today · 4.125%
HK$7,685
baseline
▲ 0.50% · 4.625%
HK$8,090
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,370/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$7,646
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,884
−HK$242/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,620
+HK$494/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,252/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,506
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$232/mo
Today · 4.125%
HK$8,966
baseline
▲ 0.50% · 4.625%
HK$9,438
+HK$472/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,932/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,831
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$310/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$11,083
+HK$636/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,894/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$10,937
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$298/mo
Today · 4.125%
HK$11,528
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$607/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,056/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).