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$5,440
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,609
−HK$172/mo
Today · 4.125%
HK$5,781
baseline
▲ 0.50% · 4.625%
HK$6,133
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,562/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$6,052
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,214
−HK$165/mo
Today · 4.125%
HK$6,379
baseline
▲ 0.50% · 4.625%
HK$6,715
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,758/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$6,528
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$206/mo
Today · 4.125%
HK$6,937
baseline
▲ 0.50% · 4.625%
HK$7,360
+HK$423/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$13,874/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,262
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,457
−HK$198/mo
Today · 4.125%
HK$7,655
baseline
▲ 0.50% · 4.625%
HK$8,058
+HK$403/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$15,310/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,616
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,853
−HK$241/mo
Today · 4.125%
HK$8,094
baseline
▲ 0.50% · 4.625%
HK$8,586
+HK$492/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,188/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$8,473
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,700
−HK$231/mo
Today · 4.125%
HK$8,931
baseline
▲ 0.50% · 4.625%
HK$9,401
+HK$470/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,862/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$9,792
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$309/mo
Today · 4.125%
HK$10,406
baseline
▲ 0.50% · 4.625%
HK$11,039
+HK$633/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,812/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$10,894
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,186
−HK$296/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,087
+HK$605/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,964/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).