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$5,443
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$172/mo
Today · 4.125%
HK$5,784
baseline
▲ 0.50% · 4.625%
HK$6,136
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,568/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$6,055
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,218
−HK$164/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$337/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,764/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$6,531
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$206/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$422/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$13,882/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,266
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,461
−HK$198/mo
Today · 4.125%
HK$7,659
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$403/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$15,318/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,620
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$241/mo
Today · 4.125%
HK$8,098
baseline
▲ 0.50% · 4.625%
HK$8,591
+HK$493/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,196/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,477
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$230/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,406
+HK$471/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,870/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,797
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,102
−HK$310/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$633/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,824/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,899
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$296/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$606/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,976/mo (50% DSR)
Upfront cash ≈ HK$239K (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).