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$5,425
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,594
−HK$172/mo
Today · 4.125%
HK$5,766
baseline
▲ 0.50% · 4.625%
HK$6,116
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,532/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$6,036
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,198
−HK$164/mo
Today · 4.125%
HK$6,362
baseline
▲ 0.50% · 4.625%
HK$6,697
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,724/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$6,511
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$206/mo
Today · 4.125%
HK$6,919
baseline
▲ 0.50% · 4.625%
HK$7,340
+HK$421/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,838/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$7,243
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,437
−HK$197/mo
Today · 4.125%
HK$7,634
baseline
▲ 0.50% · 4.625%
HK$8,037
+HK$403/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,268/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$7,596
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,832
−HK$240/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,563
+HK$491/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,144/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$8,450
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,677
−HK$230/mo
Today · 4.125%
HK$8,907
baseline
▲ 0.50% · 4.625%
HK$9,376
+HK$469/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,814/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$9,766
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$308/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$11,010
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,756/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$10,864
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$295/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,055
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,902/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).