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$5,415
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,583
−HK$172/mo
Today · 4.125%
HK$5,755
baseline
▲ 0.50% · 4.625%
HK$6,105
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,510/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$6,024
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$164/mo
Today · 4.125%
HK$6,350
baseline
▲ 0.50% · 4.625%
HK$6,684
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,700/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$6,498
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$206/mo
Today · 4.125%
HK$6,906
baseline
▲ 0.50% · 4.625%
HK$7,326
+HK$420/mo
Deposit HK$950K · loan HK$1.42M · min. income ≈ HK$13,812/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$7,229
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,423
−HK$197/mo
Today · 4.125%
HK$7,620
baseline
▲ 0.50% · 4.625%
HK$8,021
+HK$401/mo
Deposit HK$950K · loan HK$1.42M · min. income ≈ HK$15,240/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$7,581
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,817
−HK$239/mo
Today · 4.125%
HK$8,056
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$491/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,112/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$8,434
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$229/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,358
+HK$469/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,778/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$9,747
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,050
−HK$308/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,989
+HK$631/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$20,716/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$10,843
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$295/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,032
+HK$603/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$22,858/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).