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$5,457
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,627
−HK$173/mo
Today · 4.125%
HK$5,800
baseline
▲ 0.50% · 4.625%
HK$6,152
+HK$352/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,600/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$6,071
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,234
−HK$165/mo
Today · 4.125%
HK$6,399
baseline
▲ 0.50% · 4.625%
HK$6,737
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,798/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$6,549
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,753
−HK$206/mo
Today · 4.125%
HK$6,959
baseline
▲ 0.50% · 4.625%
HK$7,383
+HK$424/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$13,918/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,285
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,481
−HK$198/mo
Today · 4.125%
HK$7,679
baseline
▲ 0.50% · 4.625%
HK$8,084
+HK$405/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$15,358/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,640
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,878
−HK$241/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$494/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$16,238/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,500
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$231/mo
Today · 4.125%
HK$8,959
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$472/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$17,918/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,823
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$310/mo
Today · 4.125%
HK$10,439
baseline
▲ 0.50% · 4.625%
HK$11,074
+HK$635/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,878/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$10,928
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$298/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,126
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,038/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).