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$5,430
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,599
−HK$171/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,122
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,540/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$6,041
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$164/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,703
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,734/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$6,516
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,719
−HK$206/mo
Today · 4.125%
HK$6,925
baseline
▲ 0.50% · 4.625%
HK$7,346
+HK$421/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,850/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,249
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,443
−HK$198/mo
Today · 4.125%
HK$7,641
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$402/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,282/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,602
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,838
−HK$241/mo
Today · 4.125%
HK$8,079
baseline
▲ 0.50% · 4.625%
HK$8,570
+HK$491/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$16,158/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,457
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,684
−HK$230/mo
Today · 4.125%
HK$8,914
baseline
▲ 0.50% · 4.625%
HK$9,384
+HK$470/mo
Deposit HK$714K · loan HK$1.67M · min. income ≈ HK$17,828/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,774
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$309/mo
Today · 4.125%
HK$10,387
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,774/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$10,873
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$296/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,065
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,922/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).