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$5,394
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,562
−HK$170/mo
Today · 4.125%
HK$5,732
baseline
▲ 0.50% · 4.625%
HK$6,081
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,464/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$6,001
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,162
−HK$163/mo
Today · 4.125%
HK$6,325
baseline
▲ 0.50% · 4.625%
HK$6,658
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,650/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$6,473
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,674
−HK$205/mo
Today · 4.125%
HK$6,879
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$418/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,758/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,201
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,394
−HK$196/mo
Today · 4.125%
HK$7,590
baseline
▲ 0.50% · 4.625%
HK$7,990
+HK$400/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,180/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,551
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$239/mo
Today · 4.125%
HK$8,025
baseline
▲ 0.50% · 4.625%
HK$8,513
+HK$488/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,050/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,401
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$229/mo
Today · 4.125%
HK$8,855
baseline
▲ 0.50% · 4.625%
HK$9,322
+HK$467/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,710/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,709
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,011
−HK$307/mo
Today · 4.125%
HK$10,318
baseline
▲ 0.50% · 4.625%
HK$10,946
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,636/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,801
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,091
−HK$294/mo
Today · 4.125%
HK$11,385
baseline
▲ 0.50% · 4.625%
HK$11,985
+HK$600/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,770/mo (50% DSR)
Upfront cash ≈ HK$237K (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).