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$5,445
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,614
−HK$172/mo
Today · 4.125%
HK$5,786
baseline
▲ 0.50% · 4.625%
HK$6,138
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,572/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$6,057
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$165/mo
Today · 4.125%
HK$6,385
baseline
▲ 0.50% · 4.625%
HK$6,721
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,770/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$6,534
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,737
−HK$206/mo
Today · 4.125%
HK$6,943
baseline
▲ 0.50% · 4.625%
HK$7,366
+HK$423/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$13,886/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,269
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,464
−HK$197/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,065
+HK$404/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$15,322/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,623
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,860
−HK$241/mo
Today · 4.125%
HK$8,101
baseline
▲ 0.50% · 4.625%
HK$8,594
+HK$493/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,202/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,480
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,708
−HK$230/mo
Today · 4.125%
HK$8,938
baseline
▲ 0.50% · 4.625%
HK$9,409
+HK$471/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,876/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,801
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$310/mo
Today · 4.125%
HK$10,415
baseline
▲ 0.50% · 4.625%
HK$11,049
+HK$634/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,830/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,903
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$297/mo
Today · 4.125%
HK$11,492
baseline
▲ 0.50% · 4.625%
HK$12,098
+HK$606/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,984/mo (50% DSR)
Upfront cash ≈ HK$239K (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).