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$5,379
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,546
−HK$170/mo
Today · 4.125%
HK$5,716
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,432/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$5,984
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$163/mo
Today · 4.125%
HK$6,307
baseline
▲ 0.50% · 4.625%
HK$6,640
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,614/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$6,455
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,655
−HK$204/mo
Today · 4.125%
HK$6,859
baseline
▲ 0.50% · 4.625%
HK$7,277
+HK$418/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$13,718/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,181
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,373
−HK$196/mo
Today · 4.125%
HK$7,569
baseline
▲ 0.50% · 4.625%
HK$7,968
+HK$399/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$15,138/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,530
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$238/mo
Today · 4.125%
HK$8,003
baseline
▲ 0.50% · 4.625%
HK$8,489
+HK$486/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$16,006/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,377
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$228/mo
Today · 4.125%
HK$8,830
baseline
▲ 0.50% · 4.625%
HK$9,295
+HK$465/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$17,660/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,682
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,983
−HK$306/mo
Today · 4.125%
HK$10,289
baseline
▲ 0.50% · 4.625%
HK$10,915
+HK$626/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,578/mo (50% DSR)
Upfront cash ≈ HK$236K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,771
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,060
−HK$293/mo
Today · 4.125%
HK$11,353
baseline
▲ 0.50% · 4.625%
HK$11,951
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,706/mo (50% DSR)
Upfront cash ≈ HK$236K (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).