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$5,435
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,604
−HK$172/mo
Today · 4.125%
HK$5,776
baseline
▲ 0.50% · 4.625%
HK$6,127
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,552/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$6,046
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,209
−HK$164/mo
Today · 4.125%
HK$6,373
baseline
▲ 0.50% · 4.625%
HK$6,709
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,746/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$6,522
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$206/mo
Today · 4.125%
HK$6,931
baseline
▲ 0.50% · 4.625%
HK$7,353
+HK$422/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,862/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$7,256
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,450
−HK$198/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,051
+HK$403/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,296/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$7,609
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,846
−HK$240/mo
Today · 4.125%
HK$8,086
baseline
▲ 0.50% · 4.625%
HK$8,578
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,172/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,465
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$230/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,393
+HK$471/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,844/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,783
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$310/mo
Today · 4.125%
HK$10,397
baseline
▲ 0.50% · 4.625%
HK$11,029
+HK$632/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$20,794/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$10,884
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,175
−HK$297/mo
Today · 4.125%
HK$11,472
baseline
▲ 0.50% · 4.625%
HK$12,076
+HK$604/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$22,944/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).