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$5,432
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,601
−HK$172/mo
Today · 4.125%
HK$5,773
baseline
▲ 0.50% · 4.625%
HK$6,124
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,546/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$6,043
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,206
−HK$164/mo
Today · 4.125%
HK$6,370
baseline
▲ 0.50% · 4.625%
HK$6,706
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,740/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$6,519
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,722
−HK$206/mo
Today · 4.125%
HK$6,928
baseline
▲ 0.50% · 4.625%
HK$7,349
+HK$421/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,856/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$7,252
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,447
−HK$197/mo
Today · 4.125%
HK$7,644
baseline
▲ 0.50% · 4.625%
HK$8,047
+HK$403/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,288/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$7,605
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,842
−HK$240/mo
Today · 4.125%
HK$8,082
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,164/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$8,461
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$230/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$470/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,836/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$9,778
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,082
−HK$309/mo
Today · 4.125%
HK$10,391
baseline
▲ 0.50% · 4.625%
HK$11,024
+HK$633/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,782/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$10,878
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$296/mo
Today · 4.125%
HK$11,466
baseline
▲ 0.50% · 4.625%
HK$12,070
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,932/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).