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$5,361
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,528
−HK$169/mo
Today · 4.125%
HK$5,697
baseline
▲ 0.50% · 4.625%
HK$6,044
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,394/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$5,964
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,124
−HK$162/mo
Today · 4.125%
HK$6,286
baseline
▲ 0.50% · 4.625%
HK$6,618
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,572/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$6,433
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,633
−HK$204/mo
Today · 4.125%
HK$6,837
baseline
▲ 0.50% · 4.625%
HK$7,253
+HK$416/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$13,674/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$7,157
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,349
−HK$194/mo
Today · 4.125%
HK$7,543
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$398/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$15,086/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$7,505
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,739
−HK$237/mo
Today · 4.125%
HK$7,976
baseline
▲ 0.50% · 4.625%
HK$8,461
+HK$485/mo
Deposit HK$705K · loan HK$1.65M · min. income ≈ HK$15,952/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,350
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,574
−HK$227/mo
Today · 4.125%
HK$8,801
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$464/mo
Deposit HK$705K · loan HK$1.65M · min. income ≈ HK$17,602/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,650
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,950
−HK$305/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$624/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,510/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$10,735
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,023
−HK$292/mo
Today · 4.125%
HK$11,315
baseline
▲ 0.50% · 4.625%
HK$11,912
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,630/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).