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$5,445
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,615
−HK$172/mo
Today · 4.125%
HK$5,787
baseline
▲ 0.50% · 4.625%
HK$6,139
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,574/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$6,058
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$165/mo
Today · 4.125%
HK$6,385
baseline
▲ 0.50% · 4.625%
HK$6,722
+HK$337/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,770/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$6,535
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,738
−HK$206/mo
Today · 4.125%
HK$6,944
baseline
▲ 0.50% · 4.625%
HK$7,367
+HK$423/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$13,888/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,270
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,465
−HK$197/mo
Today · 4.125%
HK$7,662
baseline
▲ 0.50% · 4.625%
HK$8,066
+HK$404/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$15,324/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,624
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,861
−HK$241/mo
Today · 4.125%
HK$8,102
baseline
▲ 0.50% · 4.625%
HK$8,595
+HK$493/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,204/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,481
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$230/mo
Today · 4.125%
HK$8,939
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$472/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,878/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,802
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,107
−HK$309/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$11,050
+HK$634/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,832/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,904
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,197
−HK$296/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,099
+HK$606/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,986/mo (50% DSR)
Upfront cash ≈ HK$239K (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).