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$5,433
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,602
−HK$172/mo
Today · 4.125%
HK$5,774
baseline
▲ 0.50% · 4.625%
HK$6,125
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,548/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$6,045
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,207
−HK$164/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,707
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,742/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$6,520
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$206/mo
Today · 4.125%
HK$6,929
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$422/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,858/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,253
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,448
−HK$197/mo
Today · 4.125%
HK$7,645
baseline
▲ 0.50% · 4.625%
HK$8,048
+HK$403/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,290/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,607
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$241/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,168/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,462
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,689
−HK$231/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$470/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,840/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,780
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$309/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$11,026
+HK$633/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,786/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$10,880
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$296/mo
Today · 4.125%
HK$11,468
baseline
▲ 0.50% · 4.625%
HK$12,073
+HK$605/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,936/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).