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$5,418
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,587
−HK$171/mo
Today · 4.125%
HK$5,758
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,516/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$6,028
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$164/mo
Today · 4.125%
HK$6,353
baseline
▲ 0.50% · 4.625%
HK$6,688
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,706/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$6,502
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,704
−HK$206/mo
Today · 4.125%
HK$6,910
baseline
▲ 0.50% · 4.625%
HK$7,330
+HK$420/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$13,820/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,233
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$197/mo
Today · 4.125%
HK$7,624
baseline
▲ 0.50% · 4.625%
HK$8,026
+HK$402/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$15,248/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,585
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$240/mo
Today · 4.125%
HK$8,061
baseline
▲ 0.50% · 4.625%
HK$8,552
+HK$491/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,122/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,439
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$230/mo
Today · 4.125%
HK$8,895
baseline
▲ 0.50% · 4.625%
HK$9,364
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,790/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,753
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$308/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,995
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,728/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$10,850
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,141
−HK$295/mo
Today · 4.125%
HK$11,436
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,872/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).