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$5,371
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,538
−HK$170/mo
Today · 4.125%
HK$5,708
baseline
▲ 0.50% · 4.625%
HK$6,055
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,416/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$5,975
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,135
−HK$163/mo
Today · 4.125%
HK$6,298
baseline
▲ 0.50% · 4.625%
HK$6,630
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,596/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$6,445
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,646
−HK$203/mo
Today · 4.125%
HK$6,849
baseline
▲ 0.50% · 4.625%
HK$7,266
+HK$417/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$7,170
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,362
−HK$196/mo
Today · 4.125%
HK$7,558
baseline
▲ 0.50% · 4.625%
HK$7,956
+HK$398/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$15,116/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$7,519
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$238/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,477
+HK$486/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$15,982/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$8,365
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$227/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,282
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,634/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$9,668
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$306/mo
Today · 4.125%
HK$10,274
baseline
▲ 0.50% · 4.625%
HK$10,899
+HK$625/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,548/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$10,755
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$292/mo
Today · 4.125%
HK$11,336
baseline
▲ 0.50% · 4.625%
HK$11,934
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,672/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).