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$5,434
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,603
−HK$172/mo
Today · 4.125%
HK$5,775
baseline
▲ 0.50% · 4.625%
HK$6,126
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,550/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$326/mo
▼ 0.25% · 3.875%
HK$6,208
−HK$164/mo
Today · 4.125%
HK$6,372
baseline
▲ 0.50% · 4.625%
HK$6,708
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,744/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$6,521
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,724
−HK$206/mo
Today · 4.125%
HK$6,930
baseline
▲ 0.50% · 4.625%
HK$7,352
+HK$422/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,860/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$7,255
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$198/mo
Today · 4.125%
HK$7,647
baseline
▲ 0.50% · 4.625%
HK$8,050
+HK$403/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,294/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$7,608
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$240/mo
Today · 4.125%
HK$8,085
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,170/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$8,464
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,691
−HK$230/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,391
+HK$470/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,842/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$9,782
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,086
−HK$309/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$11,028
+HK$633/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,790/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$10,882
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$296/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$605/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,940/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).