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$5,494
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,665
−HK$174/mo
Today · 4.125%
HK$5,839
baseline
▲ 0.50% · 4.625%
HK$6,194
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,678/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$6,112
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$167/mo
Today · 4.125%
HK$6,443
baseline
▲ 0.50% · 4.625%
HK$6,782
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,886/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$6,593
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,798
−HK$209/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,433
+HK$426/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$14,014/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,335
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,531
−HK$200/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$408/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$15,462/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,692
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$243/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$498/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,348/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,557
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,787
−HK$233/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$475/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,040/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,890
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$313/mo
Today · 4.125%
HK$10,510
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,020/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$11,002
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$300/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,194/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).