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$5,408
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,577
−HK$171/mo
Today · 4.125%
HK$5,748
baseline
▲ 0.50% · 4.625%
HK$6,097
+HK$349/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,496/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$6,017
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,178
−HK$164/mo
Today · 4.125%
HK$6,342
baseline
▲ 0.50% · 4.625%
HK$6,676
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,684/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$6,490
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,692
−HK$205/mo
Today · 4.125%
HK$6,897
baseline
▲ 0.50% · 4.625%
HK$7,317
+HK$420/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$13,794/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$7,220
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,414
−HK$196/mo
Today · 4.125%
HK$7,610
baseline
▲ 0.50% · 4.625%
HK$8,011
+HK$401/mo
Deposit HK$949K · loan HK$1.42M · min. income ≈ HK$15,220/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$7,572
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,807
−HK$240/mo
Today · 4.125%
HK$8,047
baseline
▲ 0.50% · 4.625%
HK$8,536
+HK$489/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,094/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$8,423
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,649
−HK$230/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,347
+HK$468/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,758/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$9,735
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$308/mo
Today · 4.125%
HK$10,346
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$629/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,692/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$10,830
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$294/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$602/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,830/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).