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$5,434
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,603
−HK$172/mo
Today · 4.125%
HK$5,775
baseline
▲ 0.50% · 4.625%
HK$6,126
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,550/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$6,045
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,207
−HK$165/mo
Today · 4.125%
HK$6,372
baseline
▲ 0.50% · 4.625%
HK$6,708
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,744/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$6,521
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,724
−HK$206/mo
Today · 4.125%
HK$6,930
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$421/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,860/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,254
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$197/mo
Today · 4.125%
HK$7,646
baseline
▲ 0.50% · 4.625%
HK$8,049
+HK$403/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,292/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,608
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,844
−HK$241/mo
Today · 4.125%
HK$8,085
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,170/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$8,463
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$231/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,391
+HK$470/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,842/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$9,781
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,085
−HK$310/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$11,027
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,790/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$10,881
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$296/mo
Today · 4.125%
HK$11,469
baseline
▲ 0.50% · 4.625%
HK$12,074
+HK$605/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,938/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).