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$5,459
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$172/mo
Today · 4.125%
HK$5,801
baseline
▲ 0.50% · 4.625%
HK$6,154
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,602/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$6,073
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$165/mo
Today · 4.125%
HK$6,401
baseline
▲ 0.50% · 4.625%
HK$6,739
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,802/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$6,551
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,755
−HK$207/mo
Today · 4.125%
HK$6,962
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$423/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$13,924/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,288
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,483
−HK$199/mo
Today · 4.125%
HK$7,682
baseline
▲ 0.50% · 4.625%
HK$8,087
+HK$405/mo
Deposit HK$958K · loan HK$1.44M · min. income ≈ HK$15,364/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,643
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,881
−HK$241/mo
Today · 4.125%
HK$8,122
baseline
▲ 0.50% · 4.625%
HK$8,616
+HK$494/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$16,244/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$8,503
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$231/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,434
+HK$472/mo
Deposit HK$718K · loan HK$1.68M · min. income ≈ HK$17,924/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$9,826
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,132
−HK$311/mo
Today · 4.125%
HK$10,443
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$635/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,886/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$10,932
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$297/mo
Today · 4.125%
HK$11,522
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$608/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,044/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).