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$5,416
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,584
−HK$172/mo
Today · 4.125%
HK$5,756
baseline
▲ 0.50% · 4.625%
HK$6,106
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,512/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$6,025
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,187
−HK$164/mo
Today · 4.125%
HK$6,351
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,702/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$6,499
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$206/mo
Today · 4.125%
HK$6,907
baseline
▲ 0.50% · 4.625%
HK$7,327
+HK$420/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$13,814/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,230
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$197/mo
Today · 4.125%
HK$7,621
baseline
▲ 0.50% · 4.625%
HK$8,023
+HK$402/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$15,242/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,582
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$240/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,548
+HK$490/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,116/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$8,435
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,662
−HK$229/mo
Today · 4.125%
HK$8,891
baseline
▲ 0.50% · 4.625%
HK$9,360
+HK$469/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,782/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$9,749
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$308/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,990
+HK$630/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,720/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$10,845
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$295/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,862/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).