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$5,495
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,666
−HK$174/mo
Today · 4.125%
HK$5,840
baseline
▲ 0.50% · 4.625%
HK$6,195
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,680/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,113
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,277
−HK$167/mo
Today · 4.125%
HK$6,444
baseline
▲ 0.50% · 4.625%
HK$6,783
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,888/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,594
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,799
−HK$209/mo
Today · 4.125%
HK$7,008
baseline
▲ 0.50% · 4.625%
HK$7,434
+HK$426/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$14,016/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,336
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$199/mo
Today · 4.125%
HK$7,732
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$408/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$15,464/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,693
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,933
−HK$243/mo
Today · 4.125%
HK$8,176
baseline
▲ 0.50% · 4.625%
HK$8,673
+HK$497/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,352/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,559
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$233/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,042/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,892
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,199
−HK$313/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,151
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,024/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,004
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$300/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,198/mo (50% DSR)
Upfront cash ≈ HK$241K (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).