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$5,372
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,539
−HK$170/mo
Today · 4.125%
HK$5,709
baseline
▲ 0.50% · 4.625%
HK$6,056
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,418/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$5,976
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,137
−HK$162/mo
Today · 4.125%
HK$6,299
baseline
▲ 0.50% · 4.625%
HK$6,631
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,598/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$6,446
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,647
−HK$204/mo
Today · 4.125%
HK$6,851
baseline
▲ 0.50% · 4.625%
HK$7,268
+HK$417/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$13,702/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,172
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,364
−HK$195/mo
Today · 4.125%
HK$7,559
baseline
▲ 0.50% · 4.625%
HK$7,958
+HK$399/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$15,118/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,521
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,755
−HK$237/mo
Today · 4.125%
HK$7,992
baseline
▲ 0.50% · 4.625%
HK$8,479
+HK$487/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$15,984/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,367
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,591
−HK$228/mo
Today · 4.125%
HK$8,819
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,638/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,670
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$306/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,901
+HK$625/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,552/mo (50% DSR)
Upfront cash ≈ HK$236K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,757
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$293/mo
Today · 4.125%
HK$11,339
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$597/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,678/mo (50% DSR)
Upfront cash ≈ HK$236K (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).