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$339/mo
▼ 0.25% · 3.875%
HK$5,585
−HK$171/mo
Today · 4.125%
HK$5,756
baseline
▲ 0.50% · 4.625%
HK$6,107
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,512/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$6,026
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$164/mo
Today · 4.125%
HK$6,352
baseline
▲ 0.50% · 4.625%
HK$6,686
+HK$334/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$6,500
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,702
−HK$206/mo
Today · 4.125%
HK$6,908
baseline
▲ 0.50% · 4.625%
HK$7,328
+HK$420/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$7,231
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,425
−HK$197/mo
Today · 4.125%
HK$7,622
baseline
▲ 0.50% · 4.625%
HK$8,024
+HK$402/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$15,244/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$7,583
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,819
−HK$240/mo
Today · 4.125%
HK$8,059
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$490/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,118/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$455/mo
▼ 0.25% · 3.875%
HK$8,663
−HK$229/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,361
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,784/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$9,750
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$309/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,992
+HK$630/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$10,847
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$295/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,866/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).