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$5,370
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,537
−HK$170/mo
Today · 4.125%
HK$5,707
baseline
▲ 0.50% · 4.625%
HK$6,054
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,414/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$5,974
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,135
−HK$162/mo
Today · 4.125%
HK$6,297
baseline
▲ 0.50% · 4.625%
HK$6,629
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,594/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$6,444
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,645
−HK$204/mo
Today · 4.125%
HK$6,849
baseline
▲ 0.50% · 4.625%
HK$7,265
+HK$416/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$13,698/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,169
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,362
−HK$195/mo
Today · 4.125%
HK$7,557
baseline
▲ 0.50% · 4.625%
HK$7,955
+HK$398/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$15,114/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,518
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$238/mo
Today · 4.125%
HK$7,990
baseline
▲ 0.50% · 4.625%
HK$8,476
+HK$486/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$15,980/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,364
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,589
−HK$227/mo
Today · 4.125%
HK$8,816
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,632/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,667
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,967
−HK$306/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,898
+HK$625/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,546/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$10,754
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,042
−HK$293/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$11,933
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,670/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).