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$5,452
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,622
−HK$172/mo
Today · 4.125%
HK$5,794
baseline
▲ 0.50% · 4.625%
HK$6,146
+HK$352/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,588/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$6,065
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,228
−HK$165/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,730
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,786/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$6,542
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,746
−HK$207/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,376
+HK$423/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$13,906/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$7,278
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$198/mo
Today · 4.125%
HK$7,672
baseline
▲ 0.50% · 4.625%
HK$8,076
+HK$404/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$15,344/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$7,633
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,870
−HK$241/mo
Today · 4.125%
HK$8,111
baseline
▲ 0.50% · 4.625%
HK$8,605
+HK$494/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$16,222/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$8,491
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$231/mo
Today · 4.125%
HK$8,950
baseline
▲ 0.50% · 4.625%
HK$9,422
+HK$472/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$17,900/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$9,814
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,119
−HK$310/mo
Today · 4.125%
HK$10,429
baseline
▲ 0.50% · 4.625%
HK$11,064
+HK$635/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,858/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$10,918
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$297/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,114
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,014/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).