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$5,401
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,569
−HK$171/mo
Today · 4.125%
HK$5,740
baseline
▲ 0.50% · 4.625%
HK$6,089
+HK$349/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$6,008
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,170
−HK$163/mo
Today · 4.125%
HK$6,333
baseline
▲ 0.50% · 4.625%
HK$6,667
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,666/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$6,481
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$204/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$419/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$13,774/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$7,210
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$197/mo
Today · 4.125%
HK$7,600
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$400/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$15,200/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$7,561
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$239/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,524
+HK$489/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$16,070/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$8,412
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$229/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$468/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$17,732/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$9,721
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,024
−HK$307/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,960
+HK$629/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,662/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$10,815
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,105
−HK$294/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$601/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,798/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).