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$5,395
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,563
−HK$170/mo
Today · 4.125%
HK$5,733
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,466/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,002
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,163
−HK$163/mo
Today · 4.125%
HK$6,326
baseline
▲ 0.50% · 4.625%
HK$6,660
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,652/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,474
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,675
−HK$205/mo
Today · 4.125%
HK$6,880
baseline
▲ 0.50% · 4.625%
HK$7,299
+HK$419/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,760/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,202
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,395
−HK$196/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$7,992
+HK$401/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,182/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,553
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$239/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,515
+HK$488/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,054/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,403
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$229/mo
Today · 4.125%
HK$8,857
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$466/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,714/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,711
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$307/mo
Today · 4.125%
HK$10,320
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,640/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,803
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$294/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$600/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,774/mo (50% DSR)
Upfront cash ≈ HK$237K (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).