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$5,494
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$174/mo
Today · 4.125%
HK$5,838
baseline
▲ 0.50% · 4.625%
HK$6,193
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,676/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$6,112
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$166/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,781
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,884/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$6,592
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,797
−HK$209/mo
Today · 4.125%
HK$7,006
baseline
▲ 0.50% · 4.625%
HK$7,432
+HK$426/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$14,012/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$7,334
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,531
−HK$199/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,138
+HK$408/mo
Deposit HK$964K · loan HK$1.45M · min. income ≈ HK$15,460/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$7,691
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$243/mo
Today · 4.125%
HK$8,173
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$498/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,346/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$8,556
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$232/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,494
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,036/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$9,889
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,196
−HK$313/mo
Today · 4.125%
HK$10,509
baseline
▲ 0.50% · 4.625%
HK$11,148
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,018/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$11,001
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$299/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,206
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,190/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).