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$5,437
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,607
−HK$171/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,130
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,556/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$6,049
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,211
−HK$165/mo
Today · 4.125%
HK$6,376
baseline
▲ 0.50% · 4.625%
HK$6,712
+HK$336/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$6,525
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,728
−HK$206/mo
Today · 4.125%
HK$6,934
baseline
▲ 0.50% · 4.625%
HK$7,356
+HK$422/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$13,868/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$7,259
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$198/mo
Today · 4.125%
HK$7,651
baseline
▲ 0.50% · 4.625%
HK$8,054
+HK$403/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$15,302/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$7,612
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,849
−HK$241/mo
Today · 4.125%
HK$8,090
baseline
▲ 0.50% · 4.625%
HK$8,582
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,180/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,469
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$230/mo
Today · 4.125%
HK$8,926
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$471/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,852/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,787
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,092
−HK$309/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$11,034
+HK$633/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$20,802/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$10,888
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,180
−HK$296/mo
Today · 4.125%
HK$11,476
baseline
▲ 0.50% · 4.625%
HK$12,081
+HK$605/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$22,952/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).