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$5,427
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,595
−HK$172/mo
Today · 4.125%
HK$5,767
baseline
▲ 0.50% · 4.625%
HK$6,118
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,534/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$6,037
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,199
−HK$164/mo
Today · 4.125%
HK$6,363
baseline
▲ 0.50% · 4.625%
HK$6,699
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,726/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$6,512
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,715
−HK$205/mo
Today · 4.125%
HK$6,920
baseline
▲ 0.50% · 4.625%
HK$7,341
+HK$421/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,840/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$7,244
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,439
−HK$197/mo
Today · 4.125%
HK$7,636
baseline
▲ 0.50% · 4.625%
HK$8,038
+HK$402/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,272/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$7,597
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$240/mo
Today · 4.125%
HK$8,074
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$491/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,148/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$8,452
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,679
−HK$230/mo
Today · 4.125%
HK$8,909
baseline
▲ 0.50% · 4.625%
HK$9,378
+HK$469/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,818/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$9,768
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$308/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$11,012
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,760/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$10,867
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,158
−HK$296/mo
Today · 4.125%
HK$11,454
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,908/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).