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$5,443
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,613
−HK$172/mo
Today · 4.125%
HK$5,785
baseline
▲ 0.50% · 4.625%
HK$6,137
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,570/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$6,056
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,218
−HK$165/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,766/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$6,532
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$207/mo
Today · 4.125%
HK$6,942
baseline
▲ 0.50% · 4.625%
HK$7,364
+HK$422/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$13,884/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,267
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$197/mo
Today · 4.125%
HK$7,659
baseline
▲ 0.50% · 4.625%
HK$8,063
+HK$404/mo
Deposit HK$955K · loan HK$1.43M · min. income ≈ HK$15,318/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,621
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$241/mo
Today · 4.125%
HK$8,099
baseline
▲ 0.50% · 4.625%
HK$8,591
+HK$492/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,198/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$8,478
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$231/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$471/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,872/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$9,798
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$310/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$11,046
+HK$633/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,826/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$10,900
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$296/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,095
+HK$606/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,978/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).