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$5,390
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,558
−HK$170/mo
Today · 4.125%
HK$5,728
baseline
▲ 0.50% · 4.625%
HK$6,077
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,456/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$5,997
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,157
−HK$164/mo
Today · 4.125%
HK$6,321
baseline
▲ 0.50% · 4.625%
HK$6,654
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,642/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$6,468
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,670
−HK$204/mo
Today · 4.125%
HK$6,874
baseline
▲ 0.50% · 4.625%
HK$7,292
+HK$418/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,748/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,196
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,389
−HK$196/mo
Today · 4.125%
HK$7,585
baseline
▲ 0.50% · 4.625%
HK$7,985
+HK$400/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,170/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,546
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$239/mo
Today · 4.125%
HK$8,020
baseline
▲ 0.50% · 4.625%
HK$8,508
+HK$488/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$16,040/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,395
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,620
−HK$229/mo
Today · 4.125%
HK$8,849
baseline
▲ 0.50% · 4.625%
HK$9,315
+HK$466/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$17,698/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,703
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,004
−HK$307/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,938
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,622/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$10,794
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,083
−HK$294/mo
Today · 4.125%
HK$11,377
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$600/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,754/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).