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$5,364
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,531
−HK$170/mo
Today · 4.125%
HK$5,701
baseline
▲ 0.50% · 4.625%
HK$6,048
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,402/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$5,968
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,128
−HK$162/mo
Today · 4.125%
HK$6,290
baseline
▲ 0.50% · 4.625%
HK$6,622
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,580/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$6,437
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,637
−HK$204/mo
Today · 4.125%
HK$6,841
baseline
▲ 0.50% · 4.625%
HK$7,257
+HK$416/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$13,682/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$7,161
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,353
−HK$195/mo
Today · 4.125%
HK$7,548
baseline
▲ 0.50% · 4.625%
HK$7,946
+HK$398/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$15,096/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$7,510
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$237/mo
Today · 4.125%
HK$7,981
baseline
▲ 0.50% · 4.625%
HK$8,467
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,962/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$8,355
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$227/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$464/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,612/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$9,656
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,956
−HK$305/mo
Today · 4.125%
HK$10,261
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$625/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,522/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$10,742
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,030
−HK$292/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$11,919
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,644/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).