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$5,425
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,594
−HK$171/mo
Today · 4.125%
HK$5,765
baseline
▲ 0.50% · 4.625%
HK$6,116
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,530/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$6,035
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,197
−HK$165/mo
Today · 4.125%
HK$6,362
baseline
▲ 0.50% · 4.625%
HK$6,697
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,724/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$6,510
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$205/mo
Today · 4.125%
HK$6,918
baseline
▲ 0.50% · 4.625%
HK$7,339
+HK$421/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,836/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$7,243
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,437
−HK$197/mo
Today · 4.125%
HK$7,634
baseline
▲ 0.50% · 4.625%
HK$8,036
+HK$402/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,268/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$7,595
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,832
−HK$240/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,563
+HK$491/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,144/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$8,450
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,676
−HK$230/mo
Today · 4.125%
HK$8,906
baseline
▲ 0.50% · 4.625%
HK$9,376
+HK$470/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,812/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$9,765
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,069
−HK$309/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,756/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$10,864
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$296/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,054
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,902/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).