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$5,449
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,618
−HK$172/mo
Today · 4.125%
HK$5,790
baseline
▲ 0.50% · 4.625%
HK$6,143
+HK$353/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,580/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$6,062
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,224
−HK$165/mo
Today · 4.125%
HK$6,389
baseline
▲ 0.50% · 4.625%
HK$6,726
+HK$337/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,778/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$6,538
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,742
−HK$207/mo
Today · 4.125%
HK$6,949
baseline
▲ 0.50% · 4.625%
HK$7,371
+HK$422/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$13,898/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,274
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,469
−HK$198/mo
Today · 4.125%
HK$7,667
baseline
▲ 0.50% · 4.625%
HK$8,071
+HK$404/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$15,334/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,628
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$241/mo
Today · 4.125%
HK$8,107
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$493/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$16,214/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,486
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$231/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,416
+HK$471/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$17,890/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,808
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$310/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$634/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,846/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$10,911
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$296/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,107
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,000/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).