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$5,396
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$170/mo
Today · 4.125%
HK$5,734
baseline
▲ 0.50% · 4.625%
HK$6,083
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,468/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$6,003
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,164
−HK$163/mo
Today · 4.125%
HK$6,327
baseline
▲ 0.50% · 4.625%
HK$6,660
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,654/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$6,475
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,676
−HK$205/mo
Today · 4.125%
HK$6,881
baseline
▲ 0.50% · 4.625%
HK$7,300
+HK$419/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$13,762/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,203
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,396
−HK$196/mo
Today · 4.125%
HK$7,592
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$401/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$15,184/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,554
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$239/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$488/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,056/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,404
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$229/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$467/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,716/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,712
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,014
−HK$307/mo
Today · 4.125%
HK$10,321
baseline
▲ 0.50% · 4.625%
HK$10,949
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,642/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$10,805
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,095
−HK$294/mo
Today · 4.125%
HK$11,389
baseline
▲ 0.50% · 4.625%
HK$11,989
+HK$600/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,778/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).