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$5,492
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,663
−HK$173/mo
Today · 4.125%
HK$5,836
baseline
▲ 0.50% · 4.625%
HK$6,191
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,672/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$6,110
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,273
−HK$167/mo
Today · 4.125%
HK$6,440
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,880/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$6,590
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,795
−HK$208/mo
Today · 4.125%
HK$7,003
baseline
▲ 0.50% · 4.625%
HK$7,430
+HK$427/mo
Deposit HK$963K · loan HK$1.45M · min. income ≈ HK$14,006/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,331
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,528
−HK$200/mo
Today · 4.125%
HK$7,728
baseline
▲ 0.50% · 4.625%
HK$8,135
+HK$407/mo
Deposit HK$963K · loan HK$1.45M · min. income ≈ HK$15,456/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,688
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$243/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,668
+HK$497/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$16,342/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$8,553
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,783
−HK$232/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,491
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,030/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$9,885
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,193
−HK$312/mo
Today · 4.125%
HK$10,505
baseline
▲ 0.50% · 4.625%
HK$11,144
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,010/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$10,997
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,292
−HK$299/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,202
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,182/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).