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$5,429
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,598
−HK$172/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,540/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$6,040
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$164/mo
Today · 4.125%
HK$6,366
baseline
▲ 0.50% · 4.625%
HK$6,702
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,732/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$6,515
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,718
−HK$205/mo
Today · 4.125%
HK$6,923
baseline
▲ 0.50% · 4.625%
HK$7,345
+HK$422/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,846/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,248
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,442
−HK$197/mo
Today · 4.125%
HK$7,639
baseline
▲ 0.50% · 4.625%
HK$8,042
+HK$403/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,278/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,601
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$240/mo
Today · 4.125%
HK$8,077
baseline
▲ 0.50% · 4.625%
HK$8,569
+HK$492/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,154/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,456
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,683
−HK$230/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,382
+HK$469/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,826/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,772
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$309/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,770/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$10,872
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,163
−HK$296/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,063
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,918/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).