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$5,422
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,590
−HK$172/mo
Today · 4.125%
HK$5,762
baseline
▲ 0.50% · 4.625%
HK$6,112
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,524/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$6,032
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$165/mo
Today · 4.125%
HK$6,358
baseline
▲ 0.50% · 4.625%
HK$6,693
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,716/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$6,506
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,709
−HK$205/mo
Today · 4.125%
HK$6,914
baseline
▲ 0.50% · 4.625%
HK$7,335
+HK$421/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,828/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$7,238
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,432
−HK$197/mo
Today · 4.125%
HK$7,629
baseline
▲ 0.50% · 4.625%
HK$8,031
+HK$402/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,258/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$7,591
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,827
−HK$239/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,557
+HK$491/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,132/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$8,444
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,671
−HK$230/mo
Today · 4.125%
HK$8,901
baseline
▲ 0.50% · 4.625%
HK$9,370
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,802/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$9,759
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$308/mo
Today · 4.125%
HK$10,371
baseline
▲ 0.50% · 4.625%
HK$11,002
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,742/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$10,857
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,148
−HK$296/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,888/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).