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$5,466
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,636
−HK$173/mo
Today · 4.125%
HK$5,809
baseline
▲ 0.50% · 4.625%
HK$6,162
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,618/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$6,081
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,244
−HK$165/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,747
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,818/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$6,559
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,763
−HK$208/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,395
+HK$424/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$13,942/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,297
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$198/mo
Today · 4.125%
HK$7,691
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$406/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$15,382/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,653
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,891
−HK$241/mo
Today · 4.125%
HK$8,132
baseline
▲ 0.50% · 4.625%
HK$8,627
+HK$495/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$16,264/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,513
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,742
−HK$231/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,446
+HK$473/mo
Deposit HK$719K · loan HK$1.68M · min. income ≈ HK$17,946/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,839
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,145
−HK$311/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,092
+HK$636/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,912/mo (50% DSR)
Upfront cash ≈ HK$240K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,946
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$298/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,074/mo (50% DSR)
Upfront cash ≈ HK$240K (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).