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$5,443
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$172/mo
Today · 4.125%
HK$5,784
baseline
▲ 0.50% · 4.625%
HK$6,136
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,568/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$6,055
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,217
−HK$165/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,718
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,764/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$6,531
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$207/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$422/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$13,882/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$7,266
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,461
−HK$197/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$404/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$15,316/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$7,620
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$240/mo
Today · 4.125%
HK$8,097
baseline
▲ 0.50% · 4.625%
HK$8,590
+HK$493/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,194/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,477
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,704
−HK$231/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,406
+HK$471/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,870/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,797
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$310/mo
Today · 4.125%
HK$10,411
baseline
▲ 0.50% · 4.625%
HK$11,044
+HK$633/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,822/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$10,899
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$296/mo
Today · 4.125%
HK$11,487
baseline
▲ 0.50% · 4.625%
HK$12,093
+HK$606/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,974/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).