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$5,401
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$170/mo
Today · 4.125%
HK$5,740
baseline
▲ 0.50% · 4.625%
HK$6,089
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,480/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$6,009
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,170
−HK$164/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,668/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$6,482
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$205/mo
Today · 4.125%
HK$6,888
baseline
▲ 0.50% · 4.625%
HK$7,307
+HK$419/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$13,776/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,211
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,404
−HK$197/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,001
+HK$400/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$15,202/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,562
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$239/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,525
+HK$489/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$16,072/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,413
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$229/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,335
+HK$468/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$17,734/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,723
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$307/mo
Today · 4.125%
HK$10,332
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$629/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,664/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$10,816
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$295/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$601/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,802/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).