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$5,377
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,544
−HK$170/mo
Today · 4.125%
HK$5,714
baseline
▲ 0.50% · 4.625%
HK$6,062
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,428/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$5,982
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,142
−HK$163/mo
Today · 4.125%
HK$6,305
baseline
▲ 0.50% · 4.625%
HK$6,637
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,610/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$6,452
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,653
−HK$204/mo
Today · 4.125%
HK$6,857
baseline
▲ 0.50% · 4.625%
HK$7,274
+HK$417/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$13,714/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,178
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,371
−HK$195/mo
Today · 4.125%
HK$7,566
baseline
▲ 0.50% · 4.625%
HK$7,965
+HK$399/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$15,132/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,528
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,762
−HK$238/mo
Today · 4.125%
HK$8,000
baseline
▲ 0.50% · 4.625%
HK$8,487
+HK$487/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$16,000/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$8,375
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,599
−HK$228/mo
Today · 4.125%
HK$8,827
baseline
▲ 0.50% · 4.625%
HK$9,292
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,654/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$9,679
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$306/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,911
+HK$625/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,572/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$10,767
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,056
−HK$293/mo
Today · 4.125%
HK$11,349
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,698/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).