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$338/mo
▼ 0.25% · 3.875%
HK$5,560
−HK$171/mo
Today · 4.125%
HK$5,731
baseline
▲ 0.50% · 4.625%
HK$6,080
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,462/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$5,999
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$163/mo
Today · 4.125%
HK$6,323
baseline
▲ 0.50% · 4.625%
HK$6,657
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,646/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$6,471
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,673
−HK$204/mo
Today · 4.125%
HK$6,877
baseline
▲ 0.50% · 4.625%
HK$7,295
+HK$418/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,754/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$7,199
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,392
−HK$196/mo
Today · 4.125%
HK$7,588
baseline
▲ 0.50% · 4.625%
HK$7,988
+HK$400/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,176/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$7,550
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$238/mo
Today · 4.125%
HK$8,023
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$488/mo
Deposit HK$709K · loan HK$1.66M · min. income ≈ HK$16,046/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$8,399
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$229/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,319
+HK$466/mo
Deposit HK$709K · loan HK$1.66M · min. income ≈ HK$17,706/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$9,707
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$307/mo
Today · 4.125%
HK$10,316
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,632/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$10,799
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,088
−HK$294/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$11,982
+HK$600/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,764/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).