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$5,413
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,581
−HK$171/mo
Today · 4.125%
HK$5,752
baseline
▲ 0.50% · 4.625%
HK$6,102
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,504/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$6,022
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,183
−HK$164/mo
Today · 4.125%
HK$6,347
baseline
▲ 0.50% · 4.625%
HK$6,681
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,694/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$6,495
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,697
−HK$205/mo
Today · 4.125%
HK$6,902
baseline
▲ 0.50% · 4.625%
HK$7,322
+HK$420/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$13,804/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$7,226
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,420
−HK$196/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,018
+HK$402/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$15,232/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$7,578
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,813
−HK$240/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$490/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,106/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,430
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$230/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$468/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,772/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,743
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,046
−HK$308/mo
Today · 4.125%
HK$10,354
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$630/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$20,708/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,839
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$295/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,026
+HK$602/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$22,848/mo (50% DSR)
Upfront cash ≈ HK$237K (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).