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$5,419
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,588
−HK$171/mo
Today · 4.125%
HK$5,759
baseline
▲ 0.50% · 4.625%
HK$6,109
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,518/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$6,029
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,190
−HK$165/mo
Today · 4.125%
HK$6,355
baseline
▲ 0.50% · 4.625%
HK$6,689
+HK$334/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$6,503
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$206/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$420/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,822/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$390/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$196/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$402/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,250/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$7,587
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$240/mo
Today · 4.125%
HK$8,063
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$490/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,126/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$8,440
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$229/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,792/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$9,755
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$308/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,732/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$10,852
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$295/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,876/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).