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$342/mo
▼ 0.25% · 3.875%
HK$5,610
−HK$172/mo
Today · 4.125%
HK$5,782
baseline
▲ 0.50% · 4.625%
HK$6,133
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,564/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$6,215
−HK$164/mo
Today · 4.125%
HK$6,379
baseline
▲ 0.50% · 4.625%
HK$6,716
+HK$337/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$6,529
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,732
−HK$206/mo
Today · 4.125%
HK$6,938
baseline
▲ 0.50% · 4.625%
HK$7,360
+HK$422/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$13,876/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$7,263
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,458
−HK$197/mo
Today · 4.125%
HK$7,655
baseline
▲ 0.50% · 4.625%
HK$8,059
+HK$404/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$7,617
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,854
−HK$240/mo
Today · 4.125%
HK$8,094
baseline
▲ 0.50% · 4.625%
HK$8,587
+HK$493/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$8,701
−HK$230/mo
Today · 4.125%
HK$8,931
baseline
▲ 0.50% · 4.625%
HK$9,402
+HK$471/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$9,793
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$310/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$633/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,814/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$589/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$296/mo
Today · 4.125%
HK$11,483
baseline
▲ 0.50% · 4.625%
HK$12,088
+HK$605/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,966/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).