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$5,376
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,543
−HK$170/mo
Today · 4.125%
HK$5,713
baseline
▲ 0.50% · 4.625%
HK$6,060
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,426/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$5,980
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$162/mo
Today · 4.125%
HK$6,303
baseline
▲ 0.50% · 4.625%
HK$6,636
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,606/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$6,451
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,651
−HK$204/mo
Today · 4.125%
HK$6,855
baseline
▲ 0.50% · 4.625%
HK$7,272
+HK$417/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$13,710/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$7,176
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,369
−HK$195/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$7,963
+HK$399/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$15,128/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$7,526
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,760
−HK$238/mo
Today · 4.125%
HK$7,998
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$486/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$15,996/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$8,372
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,597
−HK$228/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,290
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,650/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$9,676
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,977
−HK$306/mo
Today · 4.125%
HK$10,283
baseline
▲ 0.50% · 4.625%
HK$10,908
+HK$625/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,566/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$10,764
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,053
−HK$293/mo
Today · 4.125%
HK$11,346
baseline
▲ 0.50% · 4.625%
HK$11,944
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,692/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).