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$5,441
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,611
−HK$172/mo
Today · 4.125%
HK$5,783
baseline
▲ 0.50% · 4.625%
HK$6,134
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,566/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$6,054
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,216
−HK$165/mo
Today · 4.125%
HK$6,381
baseline
▲ 0.50% · 4.625%
HK$6,717
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,762/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$6,530
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$206/mo
Today · 4.125%
HK$6,939
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$422/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$13,878/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,264
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,459
−HK$198/mo
Today · 4.125%
HK$7,657
baseline
▲ 0.50% · 4.625%
HK$8,060
+HK$403/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$15,314/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,618
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,855
−HK$241/mo
Today · 4.125%
HK$8,096
baseline
▲ 0.50% · 4.625%
HK$8,588
+HK$492/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,192/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$8,475
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,702
−HK$231/mo
Today · 4.125%
HK$8,933
baseline
▲ 0.50% · 4.625%
HK$9,404
+HK$471/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,866/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$9,795
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$310/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$11,042
+HK$633/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,818/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$10,896
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,189
−HK$296/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$605/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,970/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).