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$5,389
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,556
−HK$171/mo
Today · 4.125%
HK$5,727
baseline
▲ 0.50% · 4.625%
HK$6,075
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,454/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$5,995
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,156
−HK$163/mo
Today · 4.125%
HK$6,319
baseline
▲ 0.50% · 4.625%
HK$6,652
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,638/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$6,466
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,668
−HK$204/mo
Today · 4.125%
HK$6,872
baseline
▲ 0.50% · 4.625%
HK$7,290
+HK$418/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$13,744/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$7,194
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,387
−HK$196/mo
Today · 4.125%
HK$7,583
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$399/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$15,166/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$7,544
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$238/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,505
+HK$488/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$16,034/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$8,393
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,618
−HK$228/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,313
+HK$467/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$17,692/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$9,700
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$307/mo
Today · 4.125%
HK$10,308
baseline
▲ 0.50% · 4.625%
HK$10,935
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,616/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$10,791
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,080
−HK$294/mo
Today · 4.125%
HK$11,374
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$599/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,748/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).