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$345/mo
▼ 0.25% · 3.875%
HK$5,663
−HK$174/mo
Today · 4.125%
HK$5,837
baseline
▲ 0.50% · 4.625%
HK$6,192
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,674/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$6,274
−HK$166/mo
Today · 4.125%
HK$6,440
baseline
▲ 0.50% · 4.625%
HK$6,780
+HK$340/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$6,591
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,796
−HK$208/mo
Today · 4.125%
HK$7,004
baseline
▲ 0.50% · 4.625%
HK$7,430
+HK$426/mo
Deposit HK$963K · loan HK$1.45M · min. income ≈ HK$14,008/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,332
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,529
−HK$199/mo
Today · 4.125%
HK$7,728
baseline
▲ 0.50% · 4.625%
HK$8,136
+HK$408/mo
Deposit HK$963K · loan HK$1.45M · min. income ≈ HK$15,456/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,689
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$243/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,669
+HK$498/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$8,554
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$232/mo
Today · 4.125%
HK$9,016
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$476/mo
Deposit HK$723K · loan HK$1.69M · min. income ≈ HK$18,032/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$9,886
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,194
−HK$312/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,145
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,012/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$10,998
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,293
−HK$299/mo
Today · 4.125%
HK$11,592
baseline
▲ 0.50% · 4.625%
HK$12,203
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,184/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).