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$5,438
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,607
−HK$172/mo
Today · 4.125%
HK$5,779
baseline
▲ 0.50% · 4.625%
HK$6,131
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,558/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$6,050
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,212
−HK$164/mo
Today · 4.125%
HK$6,376
baseline
▲ 0.50% · 4.625%
HK$6,713
+HK$337/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,752/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$6,526
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,729
−HK$206/mo
Today · 4.125%
HK$6,935
baseline
▲ 0.50% · 4.625%
HK$7,357
+HK$422/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$13,870/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,260
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,454
−HK$198/mo
Today · 4.125%
HK$7,652
baseline
▲ 0.50% · 4.625%
HK$8,055
+HK$403/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$15,304/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,613
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$241/mo
Today · 4.125%
HK$8,091
baseline
▲ 0.50% · 4.625%
HK$8,583
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,182/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$8,470
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,697
−HK$230/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,398
+HK$471/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,854/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$9,788
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,093
−HK$309/mo
Today · 4.125%
HK$10,402
baseline
▲ 0.50% · 4.625%
HK$11,035
+HK$633/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$20,804/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$10,889
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$297/mo
Today · 4.125%
HK$11,478
baseline
▲ 0.50% · 4.625%
HK$12,083
+HK$605/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$22,956/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).