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$5,365
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,532
−HK$169/mo
Today · 4.125%
HK$5,701
baseline
▲ 0.50% · 4.625%
HK$6,048
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,402/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$5,968
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,128
−HK$163/mo
Today · 4.125%
HK$6,291
baseline
▲ 0.50% · 4.625%
HK$6,622
+HK$331/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,582/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$6,438
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,638
−HK$203/mo
Today · 4.125%
HK$6,841
baseline
▲ 0.50% · 4.625%
HK$7,258
+HK$417/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$13,682/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,162
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,354
−HK$195/mo
Today · 4.125%
HK$7,549
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$398/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$15,098/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,511
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$238/mo
Today · 4.125%
HK$7,982
baseline
▲ 0.50% · 4.625%
HK$8,467
+HK$485/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,964/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,355
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,580
−HK$227/mo
Today · 4.125%
HK$8,807
baseline
▲ 0.50% · 4.625%
HK$9,271
+HK$464/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,614/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,656
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$305/mo
Today · 4.125%
HK$10,262
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$624/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,524/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,743
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$292/mo
Today · 4.125%
HK$11,323
baseline
▲ 0.50% · 4.625%
HK$11,920
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,646/mo (50% DSR)
Upfront cash ≈ HK$235K (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).