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$5,471
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,641
−HK$173/mo
Today · 4.125%
HK$5,814
baseline
▲ 0.50% · 4.625%
HK$6,168
+HK$354/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,628/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$6,086
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,250
−HK$165/mo
Today · 4.125%
HK$6,415
baseline
▲ 0.50% · 4.625%
HK$6,753
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,830/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$6,565
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,769
−HK$208/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$424/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$13,954/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,304
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$198/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,104
+HK$406/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$15,396/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,659
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,898
−HK$242/mo
Today · 4.125%
HK$8,140
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$495/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,280/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,521
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$231/mo
Today · 4.125%
HK$8,981
baseline
▲ 0.50% · 4.625%
HK$9,455
+HK$474/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,962/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,848
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$311/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,102
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,930/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$10,956
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$298/mo
Today · 4.125%
HK$11,547
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,094/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).