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$5,486
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,656
−HK$174/mo
Today · 4.125%
HK$5,830
baseline
▲ 0.50% · 4.625%
HK$6,184
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,660/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$6,103
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,266
−HK$166/mo
Today · 4.125%
HK$6,432
baseline
▲ 0.50% · 4.625%
HK$6,771
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,864/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$6,583
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,787
−HK$208/mo
Today · 4.125%
HK$6,995
baseline
▲ 0.50% · 4.625%
HK$7,421
+HK$426/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$13,990/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,323
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,520
−HK$199/mo
Today · 4.125%
HK$7,719
baseline
▲ 0.50% · 4.625%
HK$8,126
+HK$407/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$15,438/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,680
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$242/mo
Today · 4.125%
HK$8,161
baseline
▲ 0.50% · 4.625%
HK$8,658
+HK$497/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$16,322/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,544
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$232/mo
Today · 4.125%
HK$9,005
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$475/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$18,010/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,874
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,181
−HK$312/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,132
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$20,986/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$10,985
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,279
−HK$299/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,156/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).