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$5,469
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,640
−HK$172/mo
Today · 4.125%
HK$5,812
baseline
▲ 0.50% · 4.625%
HK$6,166
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,624/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$6,085
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,248
−HK$165/mo
Today · 4.125%
HK$6,413
baseline
▲ 0.50% · 4.625%
HK$6,752
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,826/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$6,563
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,768
−HK$207/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,399
+HK$424/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$13,950/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,302
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$198/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,102
+HK$406/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$15,392/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,657
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,895
−HK$242/mo
Today · 4.125%
HK$8,137
baseline
▲ 0.50% · 4.625%
HK$8,633
+HK$496/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,274/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$8,519
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$232/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,452
+HK$473/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,958/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$9,845
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,151
−HK$311/mo
Today · 4.125%
HK$10,462
baseline
▲ 0.50% · 4.625%
HK$11,099
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,924/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$10,953
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,246
−HK$298/mo
Today · 4.125%
HK$11,544
baseline
▲ 0.50% · 4.625%
HK$12,153
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,088/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).