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$5,448
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,617
−HK$172/mo
Today · 4.125%
HK$5,789
baseline
▲ 0.50% · 4.625%
HK$6,142
+HK$353/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,578/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$6,061
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,223
−HK$165/mo
Today · 4.125%
HK$6,388
baseline
▲ 0.50% · 4.625%
HK$6,725
+HK$337/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,776/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$6,537
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$206/mo
Today · 4.125%
HK$6,947
baseline
▲ 0.50% · 4.625%
HK$7,370
+HK$423/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$13,894/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,273
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,468
−HK$198/mo
Today · 4.125%
HK$7,666
baseline
▲ 0.50% · 4.625%
HK$8,070
+HK$404/mo
Deposit HK$956K · loan HK$1.43M · min. income ≈ HK$15,332/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,627
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,864
−HK$241/mo
Today · 4.125%
HK$8,105
baseline
▲ 0.50% · 4.625%
HK$8,598
+HK$493/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$16,210/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,485
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,712
−HK$231/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,415
+HK$472/mo
Deposit HK$717K · loan HK$1.67M · min. income ≈ HK$17,886/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,806
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,111
−HK$310/mo
Today · 4.125%
HK$10,421
baseline
▲ 0.50% · 4.625%
HK$11,055
+HK$634/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,842/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$10,909
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,202
−HK$296/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,105
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$22,996/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).