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$5,485
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,655
−HK$173/mo
Today · 4.125%
HK$5,828
baseline
▲ 0.50% · 4.625%
HK$6,183
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,656/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$6,102
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,265
−HK$166/mo
Today · 4.125%
HK$6,431
baseline
▲ 0.50% · 4.625%
HK$6,770
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,862/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$6,581
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,786
−HK$208/mo
Today · 4.125%
HK$6,994
baseline
▲ 0.50% · 4.625%
HK$7,420
+HK$426/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$13,988/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,322
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$199/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,124
+HK$407/mo
Deposit HK$962K · loan HK$1.44M · min. income ≈ HK$15,434/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,678
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$243/mo
Today · 4.125%
HK$8,160
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$496/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$16,320/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,542
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$233/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$474/mo
Deposit HK$722K · loan HK$1.68M · min. income ≈ HK$18,008/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,872
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$312/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,130
+HK$639/mo
Deposit HK$241K · loan HK$2.16M · min. income ≈ HK$20,982/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$10,983
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$299/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$610/mo
Deposit HK$241K · loan HK$2.16M · min. income ≈ HK$23,152/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).