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$5,362
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,528
−HK$170/mo
Today · 4.125%
HK$5,698
baseline
▲ 0.50% · 4.625%
HK$6,044
+HK$346/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,396/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$5,965
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,125
−HK$162/mo
Today · 4.125%
HK$6,287
baseline
▲ 0.50% · 4.625%
HK$6,618
+HK$331/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,574/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$6,434
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,634
−HK$203/mo
Today · 4.125%
HK$6,837
baseline
▲ 0.50% · 4.625%
HK$7,253
+HK$416/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$13,674/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,158
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,350
−HK$194/mo
Today · 4.125%
HK$7,544
baseline
▲ 0.50% · 4.625%
HK$7,942
+HK$398/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$15,088/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,506
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,740
−HK$237/mo
Today · 4.125%
HK$7,977
baseline
▲ 0.50% · 4.625%
HK$8,462
+HK$485/mo
Deposit HK$705K · loan HK$1.65M · min. income ≈ HK$15,954/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,351
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,575
−HK$227/mo
Today · 4.125%
HK$8,802
baseline
▲ 0.50% · 4.625%
HK$9,266
+HK$464/mo
Deposit HK$705K · loan HK$1.65M · min. income ≈ HK$17,604/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,651
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,951
−HK$305/mo
Today · 4.125%
HK$10,256
baseline
▲ 0.50% · 4.625%
HK$10,880
+HK$624/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,512/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,736
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,024
−HK$292/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$11,913
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,632/mo (50% DSR)
Upfront cash ≈ HK$235K (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).