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$5,366
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,533
−HK$170/mo
Today · 4.125%
HK$5,703
baseline
▲ 0.50% · 4.625%
HK$6,050
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,406/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$5,970
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,130
−HK$162/mo
Today · 4.125%
HK$6,292
baseline
▲ 0.50% · 4.625%
HK$6,624
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,584/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$6,439
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,640
−HK$203/mo
Today · 4.125%
HK$6,843
baseline
▲ 0.50% · 4.625%
HK$7,260
+HK$417/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$13,686/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$7,164
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,356
−HK$195/mo
Today · 4.125%
HK$7,551
baseline
▲ 0.50% · 4.625%
HK$7,949
+HK$398/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$15,102/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$7,513
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$238/mo
Today · 4.125%
HK$7,984
baseline
▲ 0.50% · 4.625%
HK$8,470
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,968/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,358
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,582
−HK$227/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,274
+HK$465/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,618/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,659
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,960
−HK$305/mo
Today · 4.125%
HK$10,265
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$624/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,530/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$10,746
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$292/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,652/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).