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$5,406
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,575
−HK$171/mo
Today · 4.125%
HK$5,746
baseline
▲ 0.50% · 4.625%
HK$6,095
+HK$349/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,492/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$6,015
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,176
−HK$164/mo
Today · 4.125%
HK$6,340
baseline
▲ 0.50% · 4.625%
HK$6,674
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,680/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$6,488
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$205/mo
Today · 4.125%
HK$6,895
baseline
▲ 0.50% · 4.625%
HK$7,314
+HK$419/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$13,790/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,218
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,411
−HK$197/mo
Today · 4.125%
HK$7,608
baseline
▲ 0.50% · 4.625%
HK$8,009
+HK$401/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$15,216/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,569
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$240/mo
Today · 4.125%
HK$8,044
baseline
▲ 0.50% · 4.625%
HK$8,533
+HK$489/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$16,088/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,421
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,646
−HK$229/mo
Today · 4.125%
HK$8,875
baseline
▲ 0.50% · 4.625%
HK$9,343
+HK$468/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$17,750/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,732
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,034
−HK$308/mo
Today · 4.125%
HK$10,342
baseline
▲ 0.50% · 4.625%
HK$10,971
+HK$629/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,684/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$10,826
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,117
−HK$294/mo
Today · 4.125%
HK$11,411
baseline
▲ 0.50% · 4.625%
HK$12,013
+HK$602/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,822/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).