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$5,366
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,532
−HK$170/mo
Today · 4.125%
HK$5,702
baseline
▲ 0.50% · 4.625%
HK$6,049
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,404/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$5,969
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,129
−HK$163/mo
Today · 4.125%
HK$6,292
baseline
▲ 0.50% · 4.625%
HK$6,623
+HK$331/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,584/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$6,439
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,639
−HK$203/mo
Today · 4.125%
HK$6,842
baseline
▲ 0.50% · 4.625%
HK$7,259
+HK$417/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$13,684/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$7,163
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,355
−HK$195/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$7,948
+HK$398/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$15,100/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$7,512
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,745
−HK$238/mo
Today · 4.125%
HK$7,983
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,966/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$8,357
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,581
−HK$227/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,273
+HK$465/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,616/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$9,658
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,958
−HK$306/mo
Today · 4.125%
HK$10,264
baseline
▲ 0.50% · 4.625%
HK$10,888
+HK$624/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,528/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$10,744
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,033
−HK$292/mo
Today · 4.125%
HK$11,325
baseline
▲ 0.50% · 4.625%
HK$11,922
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,650/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).