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$5,481
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,651
−HK$173/mo
Today · 4.125%
HK$5,824
baseline
▲ 0.50% · 4.625%
HK$6,179
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,648/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$6,097
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,261
−HK$165/mo
Today · 4.125%
HK$6,426
baseline
▲ 0.50% · 4.625%
HK$6,765
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,852/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$6,577
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,781
−HK$208/mo
Today · 4.125%
HK$6,989
baseline
▲ 0.50% · 4.625%
HK$7,414
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,978/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,316
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$199/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$406/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,424/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,673
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$243/mo
Today · 4.125%
HK$8,154
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,308/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,536
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$232/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,471
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,994/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,865
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,172
−HK$312/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,121
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,968/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$10,975
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$299/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,177
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,136/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).