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$5,393
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,561
−HK$171/mo
Today · 4.125%
HK$5,732
baseline
▲ 0.50% · 4.625%
HK$6,080
+HK$348/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$6,000
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,161
−HK$163/mo
Today · 4.125%
HK$6,324
baseline
▲ 0.50% · 4.625%
HK$6,658
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,648/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$6,472
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,673
−HK$205/mo
Today · 4.125%
HK$6,878
baseline
▲ 0.50% · 4.625%
HK$7,296
+HK$418/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,756/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$7,200
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$196/mo
Today · 4.125%
HK$7,589
baseline
▲ 0.50% · 4.625%
HK$7,989
+HK$400/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,178/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$473/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$238/mo
Today · 4.125%
HK$8,024
baseline
▲ 0.50% · 4.625%
HK$8,512
+HK$488/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,048/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$8,400
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$229/mo
Today · 4.125%
HK$8,854
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$467/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,708/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$9,708
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,010
−HK$307/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,945
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,634/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$10,800
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$294/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$11,984
+HK$600/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,768/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).