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$5,370
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,537
−HK$170/mo
Today · 4.125%
HK$5,707
baseline
▲ 0.50% · 4.625%
HK$6,054
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,414/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$5,974
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,134
−HK$163/mo
Today · 4.125%
HK$6,297
baseline
▲ 0.50% · 4.625%
HK$6,628
+HK$331/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,594/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$6,444
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,644
−HK$204/mo
Today · 4.125%
HK$6,848
baseline
▲ 0.50% · 4.625%
HK$7,264
+HK$416/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$13,696/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,169
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$195/mo
Today · 4.125%
HK$7,556
baseline
▲ 0.50% · 4.625%
HK$7,954
+HK$398/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$15,112/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,518
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$237/mo
Today · 4.125%
HK$7,989
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,978/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$8,363
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,588
−HK$227/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$465/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,630/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$9,666
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$306/mo
Today · 4.125%
HK$10,272
baseline
▲ 0.50% · 4.625%
HK$10,897
+HK$625/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,544/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$10,753
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$293/mo
Today · 4.125%
HK$11,334
baseline
▲ 0.50% · 4.625%
HK$11,931
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,668/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).