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$5,429
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,598
−HK$172/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,540/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$6,040
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$165/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,702
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,734/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$6,515
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,718
−HK$206/mo
Today · 4.125%
HK$6,924
baseline
▲ 0.50% · 4.625%
HK$7,345
+HK$421/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$13,848/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$7,248
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,443
−HK$197/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$403/mo
Deposit HK$952K · loan HK$1.43M · min. income ≈ HK$15,280/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$7,601
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,838
−HK$240/mo
Today · 4.125%
HK$8,078
baseline
▲ 0.50% · 4.625%
HK$8,569
+HK$491/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,156/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$8,456
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,683
−HK$230/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,383
+HK$470/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,826/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$9,773
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,077
−HK$309/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$11,018
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,772/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$10,872
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$296/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,920/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).