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$5,474
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,644
−HK$173/mo
Today · 4.125%
HK$5,817
baseline
▲ 0.50% · 4.625%
HK$6,171
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,634/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$6,089
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,253
−HK$165/mo
Today · 4.125%
HK$6,418
baseline
▲ 0.50% · 4.625%
HK$6,757
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,836/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$6,568
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$207/mo
Today · 4.125%
HK$6,980
baseline
▲ 0.50% · 4.625%
HK$7,405
+HK$425/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$13,960/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$7,307
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,503
−HK$199/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$406/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$15,404/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$7,663
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,901
−HK$242/mo
Today · 4.125%
HK$8,143
baseline
▲ 0.50% · 4.625%
HK$8,639
+HK$496/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,286/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$8,525
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,754
−HK$232/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,459
+HK$473/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,972/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$9,852
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,159
−HK$311/mo
Today · 4.125%
HK$10,470
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,940/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$10,961
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,255
−HK$298/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,162
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,106/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).