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$338/mo
▼ 0.25% · 3.875%
HK$5,567
−HK$170/mo
Today · 4.125%
HK$5,737
baseline
▲ 0.50% · 4.625%
HK$6,086
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,474/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$324/mo
▼ 0.25% · 3.875%
HK$6,167
−HK$163/mo
Today · 4.125%
HK$6,330
baseline
▲ 0.50% · 4.625%
HK$6,664
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,660/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$6,478
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,680
−HK$205/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,303
+HK$418/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$7,207
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,400
−HK$196/mo
Today · 4.125%
HK$7,596
baseline
▲ 0.50% · 4.625%
HK$7,997
+HK$401/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$15,192/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$7,558
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,793
−HK$239/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,521
+HK$489/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,064/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$8,408
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$228/mo
Today · 4.125%
HK$8,862
baseline
▲ 0.50% · 4.625%
HK$9,330
+HK$468/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,724/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$9,717
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,020
−HK$307/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,955
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,654/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$10,811
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$295/mo
Today · 4.125%
HK$11,395
baseline
▲ 0.50% · 4.625%
HK$11,995
+HK$600/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,790/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).