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$5,437
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,606
−HK$172/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,556/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$6,048
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,211
−HK$164/mo
Today · 4.125%
HK$6,375
baseline
▲ 0.50% · 4.625%
HK$6,711
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,750/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$6,524
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,727
−HK$206/mo
Today · 4.125%
HK$6,933
baseline
▲ 0.50% · 4.625%
HK$7,355
+HK$422/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$13,866/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,258
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$197/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$403/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$15,300/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,612
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$241/mo
Today · 4.125%
HK$8,089
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,178/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,468
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$230/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,396
+HK$471/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,850/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,786
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,091
−HK$309/mo
Today · 4.125%
HK$10,400
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$633/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$20,800/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$10,887
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$296/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,080
+HK$605/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$22,950/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).