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$5,391
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,559
−HK$170/mo
Today · 4.125%
HK$5,729
baseline
▲ 0.50% · 4.625%
HK$6,078
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,458/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$5,998
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,158
−HK$164/mo
Today · 4.125%
HK$6,322
baseline
▲ 0.50% · 4.625%
HK$6,655
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,644/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$6,469
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$204/mo
Today · 4.125%
HK$6,875
baseline
▲ 0.50% · 4.625%
HK$7,293
+HK$418/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,750/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,197
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$196/mo
Today · 4.125%
HK$7,586
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$400/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,172/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,548
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,782
−HK$239/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$488/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$16,042/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,397
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$228/mo
Today · 4.125%
HK$8,850
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$467/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$17,700/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,704
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,006
−HK$307/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,940
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,626/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$10,796
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$294/mo
Today · 4.125%
HK$11,379
baseline
▲ 0.50% · 4.625%
HK$11,979
+HK$600/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,758/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).