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$5,375
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,542
−HK$170/mo
Today · 4.125%
HK$5,712
baseline
▲ 0.50% · 4.625%
HK$6,059
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,424/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$6,140
−HK$162/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,635
+HK$333/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$6,450
−HK$404/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$388/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$195/mo
Today · 4.125%
HK$7,563
baseline
▲ 0.50% · 4.625%
HK$7,961
+HK$398/mo
Deposit HK$943K · loan HK$1.41M · min. income ≈ HK$15,126/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$7,525
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$237/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,483
+HK$487/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$8,371
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$227/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$607/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$306/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$626/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$20,562/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$10,763
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$293/mo
Today · 4.125%
HK$11,344
baseline
▲ 0.50% · 4.625%
HK$11,942
+HK$598/mo
Deposit HK$236K · loan HK$2.12M · min. income ≈ HK$22,688/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).