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$5,374
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,541
−HK$170/mo
Today · 4.125%
HK$5,711
baseline
▲ 0.50% · 4.625%
HK$6,059
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,422/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$5,979
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,139
−HK$163/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,634
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,604/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$6,449
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,650
−HK$204/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,271
+HK$417/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$13,708/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$7,175
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,367
−HK$195/mo
Today · 4.125%
HK$7,562
baseline
▲ 0.50% · 4.625%
HK$7,961
+HK$399/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$15,124/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$7,524
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$238/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,482
+HK$486/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$15,992/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$8,370
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,595
−HK$228/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,288
+HK$465/mo
Deposit HK$707K · loan HK$1.65M · min. income ≈ HK$17,646/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$9,674
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$305/mo
Today · 4.125%
HK$10,280
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$626/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,560/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$10,762
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,050
−HK$293/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,686/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).