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$5,375
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,542
−HK$170/mo
Today · 4.125%
HK$5,712
baseline
▲ 0.50% · 4.625%
HK$6,060
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,424/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$6,140
−HK$163/mo
Today · 4.125%
HK$6,303
baseline
▲ 0.50% · 4.625%
HK$6,635
+HK$332/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$6,450
−HK$405/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$387/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$195/mo
Today · 4.125%
HK$7,563
baseline
▲ 0.50% · 4.625%
HK$7,962
+HK$399/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$15,126/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$7,525
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$238/mo
Today · 4.125%
HK$7,997
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$487/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$15,994/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$452/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$228/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,648/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$9,675
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$306/mo
Today · 4.125%
HK$10,282
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$625/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,564/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$10,763
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$293/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,690/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).