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$5,424
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,592
−HK$172/mo
Today · 4.125%
HK$5,764
baseline
▲ 0.50% · 4.625%
HK$6,114
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,528/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$6,034
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,196
−HK$164/mo
Today · 4.125%
HK$6,360
baseline
▲ 0.50% · 4.625%
HK$6,695
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,720/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$6,508
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$205/mo
Today · 4.125%
HK$6,916
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$421/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,832/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,240
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$197/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$402/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,264/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,593
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$240/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$491/mo
Deposit HK$714K · loan HK$1.66M · min. income ≈ HK$16,138/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$8,447
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,674
−HK$230/mo
Today · 4.125%
HK$8,904
baseline
▲ 0.50% · 4.625%
HK$9,373
+HK$469/mo
Deposit HK$714K · loan HK$1.66M · min. income ≈ HK$17,808/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$9,763
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$309/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$11,006
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,750/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$10,861
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,152
−HK$296/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,051
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,896/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).