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$5,450
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,620
−HK$172/mo
Today · 4.125%
HK$5,792
baseline
▲ 0.50% · 4.625%
HK$6,145
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,584/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$6,063
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,226
−HK$165/mo
Today · 4.125%
HK$6,391
baseline
▲ 0.50% · 4.625%
HK$6,728
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,782/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$6,540
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,744
−HK$206/mo
Today · 4.125%
HK$6,950
baseline
▲ 0.50% · 4.625%
HK$7,373
+HK$423/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$13,900/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,276
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$198/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,073
+HK$404/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$15,338/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,630
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,868
−HK$241/mo
Today · 4.125%
HK$8,109
baseline
▲ 0.50% · 4.625%
HK$8,602
+HK$493/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$16,218/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,489
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$231/mo
Today · 4.125%
HK$8,947
baseline
▲ 0.50% · 4.625%
HK$9,419
+HK$472/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$17,894/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,811
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,116
−HK$310/mo
Today · 4.125%
HK$10,426
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$634/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,852/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,914
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,207
−HK$297/mo
Today · 4.125%
HK$11,504
baseline
▲ 0.50% · 4.625%
HK$12,110
+HK$606/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,008/mo (50% DSR)
Upfront cash ≈ HK$239K (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).