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$5,468
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,639
−HK$172/mo
Today · 4.125%
HK$5,811
baseline
▲ 0.50% · 4.625%
HK$6,165
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,622/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$6,084
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,247
−HK$165/mo
Today · 4.125%
HK$6,412
baseline
▲ 0.50% · 4.625%
HK$6,750
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,824/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$6,562
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,766
−HK$208/mo
Today · 4.125%
HK$6,974
baseline
▲ 0.50% · 4.625%
HK$7,398
+HK$424/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$13,948/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,300
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,496
−HK$199/mo
Today · 4.125%
HK$7,695
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$405/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$15,390/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,656
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,894
−HK$242/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,631
+HK$495/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,272/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$8,517
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,745
−HK$232/mo
Today · 4.125%
HK$8,977
baseline
▲ 0.50% · 4.625%
HK$9,450
+HK$473/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,954/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$9,843
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$311/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,920/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$10,950
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$298/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,084/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).