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$5,417
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$171/mo
Today · 4.125%
HK$5,757
baseline
▲ 0.50% · 4.625%
HK$6,107
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,514/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,027
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$164/mo
Today · 4.125%
HK$6,352
baseline
▲ 0.50% · 4.625%
HK$6,687
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,704/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,501
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$205/mo
Today · 4.125%
HK$6,908
baseline
▲ 0.50% · 4.625%
HK$7,329
+HK$421/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$13,816/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,232
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,426
−HK$197/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,024
+HK$401/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$15,246/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,584
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,820
−HK$240/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,550
+HK$490/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,120/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,437
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,663
−HK$230/mo
Today · 4.125%
HK$8,893
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,786/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,751
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,054
−HK$308/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,993
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,724/mo (50% DSR)
Upfront cash ≈ HK$238K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,848
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$295/mo
Today · 4.125%
HK$11,434
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,868/mo (50% DSR)
Upfront cash ≈ HK$238K (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).