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$5,410
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,579
−HK$170/mo
Today · 4.125%
HK$5,749
baseline
▲ 0.50% · 4.625%
HK$6,099
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,498/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$6,019
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,180
−HK$164/mo
Today · 4.125%
HK$6,344
baseline
▲ 0.50% · 4.625%
HK$6,678
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,688/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$6,492
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$205/mo
Today · 4.125%
HK$6,899
baseline
▲ 0.50% · 4.625%
HK$7,319
+HK$420/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$13,798/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,223
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$197/mo
Today · 4.125%
HK$7,613
baseline
▲ 0.50% · 4.625%
HK$8,014
+HK$401/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$15,226/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,574
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$239/mo
Today · 4.125%
HK$8,049
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$490/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,098/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$8,426
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,652
−HK$230/mo
Today · 4.125%
HK$8,882
baseline
▲ 0.50% · 4.625%
HK$9,350
+HK$468/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,764/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$9,738
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,041
−HK$308/mo
Today · 4.125%
HK$10,349
baseline
▲ 0.50% · 4.625%
HK$10,979
+HK$630/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$20,698/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$10,834
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,124
−HK$295/mo
Today · 4.125%
HK$11,419
baseline
▲ 0.50% · 4.625%
HK$12,021
+HK$602/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$22,838/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).