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$5,480
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,650
−HK$174/mo
Today · 4.125%
HK$5,824
baseline
▲ 0.50% · 4.625%
HK$6,178
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,648/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$6,096
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$166/mo
Today · 4.125%
HK$6,426
baseline
▲ 0.50% · 4.625%
HK$6,764
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,852/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$6,576
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,780
−HK$208/mo
Today · 4.125%
HK$6,988
baseline
▲ 0.50% · 4.625%
HK$7,413
+HK$425/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$13,976/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,316
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$199/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,117
+HK$406/mo
Deposit HK$961K · loan HK$1.44M · min. income ≈ HK$15,422/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,672
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,910
−HK$243/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,649
+HK$496/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$16,306/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,535
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$232/mo
Today · 4.125%
HK$8,996
baseline
▲ 0.50% · 4.625%
HK$9,470
+HK$474/mo
Deposit HK$721K · loan HK$1.68M · min. income ≈ HK$17,992/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,864
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,171
−HK$311/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,120
+HK$638/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,964/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$10,973
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,268
−HK$298/mo
Today · 4.125%
HK$11,566
baseline
▲ 0.50% · 4.625%
HK$12,176
+HK$610/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,132/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).