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$5,409
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,577
−HK$171/mo
Today · 4.125%
HK$5,748
baseline
▲ 0.50% · 4.625%
HK$6,098
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,496/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$6,018
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,179
−HK$164/mo
Today · 4.125%
HK$6,343
baseline
▲ 0.50% · 4.625%
HK$6,677
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,686/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$6,491
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,693
−HK$205/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,318
+HK$420/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$13,796/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,221
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$196/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$402/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$15,222/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,573
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,808
−HK$240/mo
Today · 4.125%
HK$8,048
baseline
▲ 0.50% · 4.625%
HK$8,537
+HK$489/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,096/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,425
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,651
−HK$229/mo
Today · 4.125%
HK$8,880
baseline
▲ 0.50% · 4.625%
HK$9,348
+HK$468/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,760/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,737
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,039
−HK$308/mo
Today · 4.125%
HK$10,347
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$630/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,694/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,832
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$295/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,019
+HK$602/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,834/mo (50% DSR)
Upfront cash ≈ HK$237K (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).