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$5,432
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,601
−HK$171/mo
Today · 4.125%
HK$5,772
baseline
▲ 0.50% · 4.625%
HK$6,124
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,544/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$6,043
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,205
−HK$164/mo
Today · 4.125%
HK$6,369
baseline
▲ 0.50% · 4.625%
HK$6,705
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,738/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$6,518
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$206/mo
Today · 4.125%
HK$6,927
baseline
▲ 0.50% · 4.625%
HK$7,348
+HK$421/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,854/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,251
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,446
−HK$197/mo
Today · 4.125%
HK$7,643
baseline
▲ 0.50% · 4.625%
HK$8,046
+HK$403/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,286/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,605
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$240/mo
Today · 4.125%
HK$8,081
baseline
▲ 0.50% · 4.625%
HK$8,573
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,162/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,460
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,687
−HK$230/mo
Today · 4.125%
HK$8,917
baseline
▲ 0.50% · 4.625%
HK$9,387
+HK$470/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,834/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,777
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$309/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$11,023
+HK$633/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,780/mo (50% DSR)
Upfront cash ≈ HK$238K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,877
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,169
−HK$296/mo
Today · 4.125%
HK$11,465
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,930/mo (50% DSR)
Upfront cash ≈ HK$238K (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).