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$5,378
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,545
−HK$170/mo
Today · 4.125%
HK$5,715
baseline
▲ 0.50% · 4.625%
HK$6,063
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,430/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$5,983
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,143
−HK$163/mo
Today · 4.125%
HK$6,306
baseline
▲ 0.50% · 4.625%
HK$6,638
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,612/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$6,453
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$204/mo
Today · 4.125%
HK$6,858
baseline
▲ 0.50% · 4.625%
HK$7,275
+HK$417/mo
Deposit HK$943K · loan HK$1.42M · min. income ≈ HK$13,716/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,179
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$195/mo
Today · 4.125%
HK$7,567
baseline
▲ 0.50% · 4.625%
HK$7,966
+HK$399/mo
Deposit HK$943K · loan HK$1.42M · min. income ≈ HK$15,134/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,529
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$238/mo
Today · 4.125%
HK$8,001
baseline
▲ 0.50% · 4.625%
HK$8,488
+HK$487/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$16,002/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,376
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$228/mo
Today · 4.125%
HK$8,828
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$466/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$17,656/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,680
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,981
−HK$306/mo
Today · 4.125%
HK$10,287
baseline
▲ 0.50% · 4.625%
HK$10,913
+HK$626/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,574/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$10,769
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$293/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$11,949
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,702/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).