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$5,364
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,530
−HK$170/mo
Today · 4.125%
HK$5,700
baseline
▲ 0.50% · 4.625%
HK$6,047
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,400/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$5,967
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,127
−HK$162/mo
Today · 4.125%
HK$6,289
baseline
▲ 0.50% · 4.625%
HK$6,621
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,578/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$6,436
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,637
−HK$203/mo
Today · 4.125%
HK$6,840
baseline
▲ 0.50% · 4.625%
HK$7,256
+HK$416/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$13,680/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,160
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,352
−HK$195/mo
Today · 4.125%
HK$7,547
baseline
▲ 0.50% · 4.625%
HK$7,945
+HK$398/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$15,094/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,509
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,743
−HK$237/mo
Today · 4.125%
HK$7,980
baseline
▲ 0.50% · 4.625%
HK$8,466
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,960/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$8,354
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,578
−HK$227/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,269
+HK$464/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,610/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$9,655
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$305/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,884
+HK$624/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,520/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,741
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$292/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,642/mo (50% DSR)
Upfront cash ≈ HK$235K (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).