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$5,420
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,588
−HK$172/mo
Today · 4.125%
HK$5,760
baseline
▲ 0.50% · 4.625%
HK$6,110
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,520/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$6,030
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,191
−HK$164/mo
Today · 4.125%
HK$6,355
baseline
▲ 0.50% · 4.625%
HK$6,690
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,710/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$6,504
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,706
−HK$206/mo
Today · 4.125%
HK$6,912
baseline
▲ 0.50% · 4.625%
HK$7,332
+HK$420/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,824/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,235
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,430
−HK$196/mo
Today · 4.125%
HK$7,626
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$402/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,252/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,588
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$240/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,554
+HK$490/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,128/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$8,441
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$229/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,794/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$9,756
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$309/mo
Today · 4.125%
HK$10,368
baseline
▲ 0.50% · 4.625%
HK$10,998
+HK$630/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,736/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$10,853
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,144
−HK$296/mo
Today · 4.125%
HK$11,440
baseline
▲ 0.50% · 4.625%
HK$12,043
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,880/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).