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$5,423
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,592
−HK$171/mo
Today · 4.125%
HK$5,763
baseline
▲ 0.50% · 4.625%
HK$6,114
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,526/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$6,033
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,195
−HK$164/mo
Today · 4.125%
HK$6,359
baseline
▲ 0.50% · 4.625%
HK$6,695
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,718/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$6,508
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$206/mo
Today · 4.125%
HK$6,916
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$421/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,832/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$7,240
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,434
−HK$197/mo
Today · 4.125%
HK$7,631
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$403/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,262/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$7,593
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$240/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$491/mo
Deposit HK$714K · loan HK$1.66M · min. income ≈ HK$16,138/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,447
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$230/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$469/mo
Deposit HK$714K · loan HK$1.66M · min. income ≈ HK$17,806/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,762
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$308/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,748/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$10,860
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$296/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,894/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).