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$5,384
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,552
−HK$170/mo
Today · 4.125%
HK$5,722
baseline
▲ 0.50% · 4.625%
HK$6,070
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,444/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$5,990
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,151
−HK$163/mo
Today · 4.125%
HK$6,314
baseline
▲ 0.50% · 4.625%
HK$6,647
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,628/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$6,461
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$205/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,284
+HK$417/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$13,734/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,188
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,381
−HK$196/mo
Today · 4.125%
HK$7,577
baseline
▲ 0.50% · 4.625%
HK$7,976
+HK$399/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$15,154/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,538
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$238/mo
Today · 4.125%
HK$8,011
baseline
▲ 0.50% · 4.625%
HK$8,498
+HK$487/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$16,022/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,386
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,611
−HK$228/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,305
+HK$466/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$17,678/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,692
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$307/mo
Today · 4.125%
HK$10,300
baseline
▲ 0.50% · 4.625%
HK$10,927
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,600/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$10,782
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$294/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$11,964
+HK$599/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,730/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).