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$5,407
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,576
−HK$170/mo
Today · 4.125%
HK$5,746
baseline
▲ 0.50% · 4.625%
HK$6,096
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,492/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$6,016
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,177
−HK$164/mo
Today · 4.125%
HK$6,341
baseline
▲ 0.50% · 4.625%
HK$6,675
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,682/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$6,489
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,691
−HK$205/mo
Today · 4.125%
HK$6,896
baseline
▲ 0.50% · 4.625%
HK$7,315
+HK$419/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$13,792/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,219
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,412
−HK$197/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,010
+HK$401/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$15,218/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,570
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,806
−HK$239/mo
Today · 4.125%
HK$8,045
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$490/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$16,090/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,422
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,648
−HK$229/mo
Today · 4.125%
HK$8,877
baseline
▲ 0.50% · 4.625%
HK$9,345
+HK$468/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$17,754/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,733
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$308/mo
Today · 4.125%
HK$10,344
baseline
▲ 0.50% · 4.625%
HK$10,973
+HK$629/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,688/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,828
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$294/mo
Today · 4.125%
HK$11,413
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$602/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,826/mo (50% DSR)
Upfront cash ≈ HK$237K (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).