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$5,439
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,608
−HK$172/mo
Today · 4.125%
HK$5,780
baseline
▲ 0.50% · 4.625%
HK$6,132
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,560/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$6,051
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,213
−HK$165/mo
Today · 4.125%
HK$6,378
baseline
▲ 0.50% · 4.625%
HK$6,714
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,756/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$6,527
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,730
−HK$206/mo
Today · 4.125%
HK$6,936
baseline
▲ 0.50% · 4.625%
HK$7,358
+HK$422/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$13,872/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$7,261
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$197/mo
Today · 4.125%
HK$7,653
baseline
▲ 0.50% · 4.625%
HK$8,057
+HK$404/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$15,306/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$7,615
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,852
−HK$240/mo
Today · 4.125%
HK$8,092
baseline
▲ 0.50% · 4.625%
HK$8,585
+HK$493/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$16,184/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$8,471
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$231/mo
Today · 4.125%
HK$8,929
baseline
▲ 0.50% · 4.625%
HK$9,400
+HK$471/mo
Deposit HK$716K · loan HK$1.67M · min. income ≈ HK$17,858/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$9,790
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$309/mo
Today · 4.125%
HK$10,404
baseline
▲ 0.50% · 4.625%
HK$11,037
+HK$633/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,808/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$10,892
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$296/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,085
+HK$605/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,960/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).