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$5,380
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$170/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,434/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$5,985
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,146
−HK$163/mo
Today · 4.125%
HK$6,309
baseline
▲ 0.50% · 4.625%
HK$6,641
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,618/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$6,456
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,657
−HK$204/mo
Today · 4.125%
HK$6,861
baseline
▲ 0.50% · 4.625%
HK$7,278
+HK$417/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$13,722/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,182
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$195/mo
Today · 4.125%
HK$7,570
baseline
▲ 0.50% · 4.625%
HK$7,969
+HK$399/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$15,140/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,532
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,766
−HK$238/mo
Today · 4.125%
HK$8,004
baseline
▲ 0.50% · 4.625%
HK$8,492
+HK$488/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$16,008/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,379
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$228/mo
Today · 4.125%
HK$8,832
baseline
▲ 0.50% · 4.625%
HK$9,298
+HK$466/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$17,664/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,684
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,985
−HK$306/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$627/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,582/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$10,774
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$294/mo
Today · 4.125%
HK$11,356
baseline
▲ 0.50% · 4.625%
HK$11,954
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,712/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).