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$5,453
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,622
−HK$173/mo
Today · 4.125%
HK$5,795
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$352/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,590/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$6,066
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,229
−HK$165/mo
Today · 4.125%
HK$6,394
baseline
▲ 0.50% · 4.625%
HK$6,731
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,788/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$6,543
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,747
−HK$207/mo
Today · 4.125%
HK$6,954
baseline
▲ 0.50% · 4.625%
HK$7,377
+HK$423/mo
Deposit HK$957K · loan HK$1.43M · min. income ≈ HK$13,908/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,279
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,475
−HK$198/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,077
+HK$404/mo
Deposit HK$957K · loan HK$1.43M · min. income ≈ HK$15,346/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,634
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,871
−HK$242/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,606
+HK$493/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$16,226/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,493
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,720
−HK$232/mo
Today · 4.125%
HK$8,952
baseline
▲ 0.50% · 4.625%
HK$9,423
+HK$471/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$17,904/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,815
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,120
−HK$311/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$634/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,862/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,919
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$297/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,116
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,018/mo (50% DSR)
Upfront cash ≈ HK$239K (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).