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$5,395
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,563
−HK$170/mo
Today · 4.125%
HK$5,733
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,466/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$6,002
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,163
−HK$163/mo
Today · 4.125%
HK$6,326
baseline
▲ 0.50% · 4.625%
HK$6,659
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,652/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$6,474
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,675
−HK$205/mo
Today · 4.125%
HK$6,880
baseline
▲ 0.50% · 4.625%
HK$7,298
+HK$418/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,760/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,202
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,395
−HK$196/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$7,991
+HK$400/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,182/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,553
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$238/mo
Today · 4.125%
HK$8,026
baseline
▲ 0.50% · 4.625%
HK$8,515
+HK$489/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,052/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$8,402
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$228/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$467/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,712/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$9,710
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$306/mo
Today · 4.125%
HK$10,319
baseline
▲ 0.50% · 4.625%
HK$10,947
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,638/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$10,803
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$293/mo
Today · 4.125%
HK$11,386
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$601/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,772/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).