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$5,412
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,580
−HK$171/mo
Today · 4.125%
HK$5,751
baseline
▲ 0.50% · 4.625%
HK$6,101
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,502/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$6,021
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,182
−HK$164/mo
Today · 4.125%
HK$6,346
baseline
▲ 0.50% · 4.625%
HK$6,680
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,692/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$6,494
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$205/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,321
+HK$420/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$13,802/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,225
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$197/mo
Today · 4.125%
HK$7,615
baseline
▲ 0.50% · 4.625%
HK$8,016
+HK$401/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$15,230/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,576
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$240/mo
Today · 4.125%
HK$8,052
baseline
▲ 0.50% · 4.625%
HK$8,542
+HK$490/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,104/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,429
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,655
−HK$229/mo
Today · 4.125%
HK$8,884
baseline
▲ 0.50% · 4.625%
HK$9,352
+HK$468/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,768/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,741
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$308/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,982
+HK$630/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$20,704/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,837
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$294/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$603/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$22,844/mo (50% DSR)
Upfront cash ≈ HK$237K (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).