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$5,420
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,589
−HK$171/mo
Today · 4.125%
HK$5,760
baseline
▲ 0.50% · 4.625%
HK$6,111
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,520/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$6,030
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,192
−HK$164/mo
Today · 4.125%
HK$6,356
baseline
▲ 0.50% · 4.625%
HK$6,691
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,712/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$6,505
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,707
−HK$205/mo
Today · 4.125%
HK$6,912
baseline
▲ 0.50% · 4.625%
HK$7,333
+HK$421/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,824/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$7,236
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,430
−HK$197/mo
Today · 4.125%
HK$7,627
baseline
▲ 0.50% · 4.625%
HK$8,029
+HK$402/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,254/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$7,589
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,825
−HK$239/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$491/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,128/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$8,442
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,669
−HK$229/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,796/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$9,757
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$309/mo
Today · 4.125%
HK$10,369
baseline
▲ 0.50% · 4.625%
HK$11,000
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,738/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$10,854
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$296/mo
Today · 4.125%
HK$11,441
baseline
▲ 0.50% · 4.625%
HK$12,044
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,882/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).