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$5,419
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,587
−HK$172/mo
Today · 4.125%
HK$5,759
baseline
▲ 0.50% · 4.625%
HK$6,109
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,518/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$6,028
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,190
−HK$164/mo
Today · 4.125%
HK$6,354
baseline
▲ 0.50% · 4.625%
HK$6,689
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,708/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$6,502
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$205/mo
Today · 4.125%
HK$6,910
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$421/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,820/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,234
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,428
−HK$197/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$402/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,250/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,586
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$240/mo
Today · 4.125%
HK$8,062
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$491/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,124/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,440
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$230/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,364
+HK$468/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,792/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,754
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,057
−HK$308/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,996
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,730/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$10,851
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$295/mo
Today · 4.125%
HK$11,437
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,874/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).