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$5,402
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$170/mo
Today · 4.125%
HK$5,740
baseline
▲ 0.50% · 4.625%
HK$6,090
+HK$350/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,480/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$6,009
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,170
−HK$164/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,668/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$6,482
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,684
−HK$204/mo
Today · 4.125%
HK$6,888
baseline
▲ 0.50% · 4.625%
HK$7,308
+HK$420/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$13,776/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,211
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$196/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,001
+HK$400/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$15,202/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,562
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,798
−HK$239/mo
Today · 4.125%
HK$8,037
baseline
▲ 0.50% · 4.625%
HK$8,526
+HK$489/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$16,074/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,413
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,639
−HK$228/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,335
+HK$468/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$17,734/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,723
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$308/mo
Today · 4.125%
HK$10,333
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,666/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$10,817
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,107
−HK$294/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$601/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,802/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).