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$5,416
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,584
−HK$171/mo
Today · 4.125%
HK$5,755
baseline
▲ 0.50% · 4.625%
HK$6,105
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,510/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$6,025
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$164/mo
Today · 4.125%
HK$6,350
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,700/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$6,499
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$205/mo
Today · 4.125%
HK$6,906
baseline
▲ 0.50% · 4.625%
HK$7,327
+HK$421/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$13,812/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,230
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$196/mo
Today · 4.125%
HK$7,620
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$402/mo
Deposit HK$950K · loan HK$1.43M · min. income ≈ HK$15,240/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,582
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$239/mo
Today · 4.125%
HK$8,057
baseline
▲ 0.50% · 4.625%
HK$8,548
+HK$491/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,114/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,435
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$230/mo
Today · 4.125%
HK$8,891
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$468/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,782/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,748
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$308/mo
Today · 4.125%
HK$10,359
baseline
▲ 0.50% · 4.625%
HK$10,990
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,718/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$10,845
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$295/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$602/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,862/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).