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$5,386
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,554
−HK$170/mo
Today · 4.125%
HK$5,724
baseline
▲ 0.50% · 4.625%
HK$6,072
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,448/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$5,992
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,153
−HK$163/mo
Today · 4.125%
HK$6,316
baseline
▲ 0.50% · 4.625%
HK$6,649
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,632/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$6,463
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$205/mo
Today · 4.125%
HK$6,869
baseline
▲ 0.50% · 4.625%
HK$7,287
+HK$418/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$13,738/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,190
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$196/mo
Today · 4.125%
HK$7,579
baseline
▲ 0.50% · 4.625%
HK$7,978
+HK$399/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$15,158/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,541
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,775
−HK$238/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$488/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$16,026/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,389
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,614
−HK$228/mo
Today · 4.125%
HK$8,842
baseline
▲ 0.50% · 4.625%
HK$9,308
+HK$466/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$17,684/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,695
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,997
−HK$306/mo
Today · 4.125%
HK$10,303
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,606/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$10,786
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$293/mo
Today · 4.125%
HK$11,368
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$600/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,736/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).