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$5,411
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,579
−HK$171/mo
Today · 4.125%
HK$5,750
baseline
▲ 0.50% · 4.625%
HK$6,100
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,500/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$6,181
−HK$163/mo
Today · 4.125%
HK$6,344
baseline
▲ 0.50% · 4.625%
HK$6,679
+HK$335/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$6,493
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,695
−HK$205/mo
Today · 4.125%
HK$6,900
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$420/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$13,800/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$7,417
−HK$196/mo
Today · 4.125%
HK$7,613
baseline
▲ 0.50% · 4.625%
HK$8,015
+HK$402/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$7,575
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$240/mo
Today · 4.125%
HK$8,050
baseline
▲ 0.50% · 4.625%
HK$8,540
+HK$490/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,100/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$8,427
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,653
−HK$229/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$9,739
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,042
−HK$308/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$630/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$20,700/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$10,835
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$295/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$602/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$22,840/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).