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$5,384
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,552
−HK$170/mo
Today · 4.125%
HK$5,722
baseline
▲ 0.50% · 4.625%
HK$6,070
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,444/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$5,990
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,151
−HK$163/mo
Today · 4.125%
HK$6,314
baseline
▲ 0.50% · 4.625%
HK$6,646
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,628/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$6,461
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$204/mo
Today · 4.125%
HK$6,866
baseline
▲ 0.50% · 4.625%
HK$7,284
+HK$418/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$13,732/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,188
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,381
−HK$195/mo
Today · 4.125%
HK$7,576
baseline
▲ 0.50% · 4.625%
HK$7,976
+HK$400/mo
Deposit HK$944K · loan HK$1.42M · min. income ≈ HK$15,152/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,538
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$239/mo
Today · 4.125%
HK$8,011
baseline
▲ 0.50% · 4.625%
HK$8,498
+HK$487/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$16,022/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,386
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,611
−HK$228/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,305
+HK$466/mo
Deposit HK$708K · loan HK$1.65M · min. income ≈ HK$17,678/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,692
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$306/mo
Today · 4.125%
HK$10,299
baseline
▲ 0.50% · 4.625%
HK$10,926
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,598/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$10,782
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$293/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$599/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,728/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).