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$5,447
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,616
−HK$172/mo
Today · 4.125%
HK$5,788
baseline
▲ 0.50% · 4.625%
HK$6,140
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,576/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$6,059
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,222
−HK$165/mo
Today · 4.125%
HK$6,387
baseline
▲ 0.50% · 4.625%
HK$6,723
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,774/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$6,536
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,739
−HK$207/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,369
+HK$423/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$13,892/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,271
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$198/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,068
+HK$404/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$15,328/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,625
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$241/mo
Today · 4.125%
HK$8,104
baseline
▲ 0.50% · 4.625%
HK$8,597
+HK$493/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$16,208/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,483
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$230/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$472/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$17,882/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,804
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$310/mo
Today · 4.125%
HK$10,419
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$634/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,838/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$10,907
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,199
−HK$297/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$606/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,992/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).