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$5,424
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,593
−HK$172/mo
Today · 4.125%
HK$5,765
baseline
▲ 0.50% · 4.625%
HK$6,115
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,530/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$6,035
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,196
−HK$165/mo
Today · 4.125%
HK$6,361
baseline
▲ 0.50% · 4.625%
HK$6,696
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,722/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$6,509
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,712
−HK$206/mo
Today · 4.125%
HK$6,918
baseline
▲ 0.50% · 4.625%
HK$7,338
+HK$420/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,836/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$7,242
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,436
−HK$197/mo
Today · 4.125%
HK$7,633
baseline
▲ 0.50% · 4.625%
HK$8,035
+HK$402/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,266/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$7,594
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,830
−HK$240/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,562
+HK$492/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,140/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$8,448
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$230/mo
Today · 4.125%
HK$8,905
baseline
▲ 0.50% · 4.625%
HK$9,374
+HK$469/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,810/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$9,764
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$308/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$11,008
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,752/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$10,862
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$295/mo
Today · 4.125%
HK$11,449
baseline
▲ 0.50% · 4.625%
HK$12,053
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,898/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).