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$5,428
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$172/mo
Today · 4.125%
HK$5,769
baseline
▲ 0.50% · 4.625%
HK$6,120
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,538/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$6,039
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,201
−HK$164/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,701
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,730/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$6,514
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,717
−HK$205/mo
Today · 4.125%
HK$6,922
baseline
▲ 0.50% · 4.625%
HK$7,344
+HK$422/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,844/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,247
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$197/mo
Today · 4.125%
HK$7,638
baseline
▲ 0.50% · 4.625%
HK$8,041
+HK$403/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,276/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,600
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,836
−HK$240/mo
Today · 4.125%
HK$8,076
baseline
▲ 0.50% · 4.625%
HK$8,568
+HK$492/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,152/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,455
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,681
−HK$230/mo
Today · 4.125%
HK$8,911
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$470/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,822/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,771
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,075
−HK$309/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,768/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$10,870
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,162
−HK$295/mo
Today · 4.125%
HK$11,457
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,914/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).