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$5,368
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,535
−HK$170/mo
Today · 4.125%
HK$5,705
baseline
▲ 0.50% · 4.625%
HK$6,052
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,410/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$5,972
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,132
−HK$162/mo
Today · 4.125%
HK$6,294
baseline
▲ 0.50% · 4.625%
HK$6,626
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,588/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$6,442
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,642
−HK$204/mo
Today · 4.125%
HK$6,846
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$416/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$13,692/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$7,166
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,358
−HK$195/mo
Today · 4.125%
HK$7,553
baseline
▲ 0.50% · 4.625%
HK$7,952
+HK$399/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$15,106/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$7,515
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,749
−HK$237/mo
Today · 4.125%
HK$7,986
baseline
▲ 0.50% · 4.625%
HK$8,472
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,972/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,361
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,585
−HK$227/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$465/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,624/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,662
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,963
−HK$305/mo
Today · 4.125%
HK$10,268
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$625/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,536/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$10,749
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,038
−HK$292/mo
Today · 4.125%
HK$11,330
baseline
▲ 0.50% · 4.625%
HK$11,927
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,660/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).