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$5,399
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,567
−HK$171/mo
Today · 4.125%
HK$5,738
baseline
▲ 0.50% · 4.625%
HK$6,087
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,476/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$6,006
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,168
−HK$163/mo
Today · 4.125%
HK$6,331
baseline
▲ 0.50% · 4.625%
HK$6,665
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,662/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$6,479
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,680
−HK$205/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,304
+HK$419/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$13,770/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,208
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,401
−HK$196/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$401/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$15,194/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,559
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$239/mo
Today · 4.125%
HK$8,033
baseline
▲ 0.50% · 4.625%
HK$8,521
+HK$488/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,066/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,409
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$228/mo
Today · 4.125%
HK$8,863
baseline
▲ 0.50% · 4.625%
HK$9,331
+HK$468/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,726/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,718
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,021
−HK$307/mo
Today · 4.125%
HK$10,328
baseline
▲ 0.50% · 4.625%
HK$10,956
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,656/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,812
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,102
−HK$294/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$11,996
+HK$600/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,792/mo (50% DSR)
Upfront cash ≈ HK$237K (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).