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$5,478
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,649
−HK$173/mo
Today · 4.125%
HK$5,822
baseline
▲ 0.50% · 4.625%
HK$6,176
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,644/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$6,094
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,258
−HK$166/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,762
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,848/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$6,574
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,778
−HK$208/mo
Today · 4.125%
HK$6,986
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,972/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$7,313
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,509
−HK$199/mo
Today · 4.125%
HK$7,708
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$407/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,416/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$7,670
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,908
−HK$242/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,646
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,300/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$8,532
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$232/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,467
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,986/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$9,861
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$311/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$638/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,958/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$10,970
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,264
−HK$299/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,126/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).