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$5,428
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$171/mo
Today · 4.125%
HK$5,768
baseline
▲ 0.50% · 4.625%
HK$6,119
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,536/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$6,038
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$165/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,700
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,730/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$6,513
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$206/mo
Today · 4.125%
HK$6,922
baseline
▲ 0.50% · 4.625%
HK$7,343
+HK$421/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,844/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$7,246
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,440
−HK$198/mo
Today · 4.125%
HK$7,638
baseline
▲ 0.50% · 4.625%
HK$8,040
+HK$402/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,276/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$7,599
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,835
−HK$240/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$492/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,150/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$8,454
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$230/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,380
+HK$470/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,820/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$9,770
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$309/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$11,014
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,766/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$10,869
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,161
−HK$295/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,060
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,912/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).