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$5,382
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,549
−HK$170/mo
Today · 4.125%
HK$5,719
baseline
▲ 0.50% · 4.625%
HK$6,067
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,438/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$5,987
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,148
−HK$162/mo
Today · 4.125%
HK$6,310
baseline
▲ 0.50% · 4.625%
HK$6,643
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,620/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$6,458
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,659
−HK$204/mo
Today · 4.125%
HK$6,863
baseline
▲ 0.50% · 4.625%
HK$7,281
+HK$418/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$13,726/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$7,184
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,377
−HK$196/mo
Today · 4.125%
HK$7,573
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$399/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$15,146/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$7,534
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,769
−HK$238/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,494
+HK$487/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$16,014/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$8,382
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,607
−HK$228/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,300
+HK$465/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$17,670/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$9,687
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$306/mo
Today · 4.125%
HK$10,294
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$627/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,588/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$10,777
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$293/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$599/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,718/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).