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$5,418
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$171/mo
Today · 4.125%
HK$5,757
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,514/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$6,027
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$164/mo
Today · 4.125%
HK$6,353
baseline
▲ 0.50% · 4.625%
HK$6,687
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,706/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$6,501
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$206/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,329
+HK$420/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$13,818/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$7,232
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,426
−HK$197/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,025
+HK$402/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$15,246/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$7,585
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,820
−HK$240/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,551
+HK$491/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,120/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$8,438
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$230/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$468/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,788/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$9,752
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,055
−HK$308/mo
Today · 4.125%
HK$10,363
baseline
▲ 0.50% · 4.625%
HK$10,994
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,726/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$10,848
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$296/mo
Today · 4.125%
HK$11,435
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$602/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,870/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).