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$5,373
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,540
−HK$170/mo
Today · 4.125%
HK$5,710
baseline
▲ 0.50% · 4.625%
HK$6,057
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,420/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$5,977
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,138
−HK$162/mo
Today · 4.125%
HK$6,300
baseline
▲ 0.50% · 4.625%
HK$6,632
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,600/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$6,448
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,648
−HK$204/mo
Today · 4.125%
HK$6,852
baseline
▲ 0.50% · 4.625%
HK$7,269
+HK$417/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$13,704/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$7,173
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,365
−HK$195/mo
Today · 4.125%
HK$7,560
baseline
▲ 0.50% · 4.625%
HK$7,959
+HK$399/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$15,120/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$7,522
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$238/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$486/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$15,988/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,368
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$227/mo
Today · 4.125%
HK$8,820
baseline
▲ 0.50% · 4.625%
HK$9,285
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,640/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,671
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$306/mo
Today · 4.125%
HK$10,278
baseline
▲ 0.50% · 4.625%
HK$10,903
+HK$625/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,556/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$10,759
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$293/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$11,938
+HK$597/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,682/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).