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$5,367
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,534
−HK$170/mo
Today · 4.125%
HK$5,704
baseline
▲ 0.50% · 4.625%
HK$6,051
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,408/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$5,971
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,131
−HK$163/mo
Today · 4.125%
HK$6,294
baseline
▲ 0.50% · 4.625%
HK$6,625
+HK$331/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,588/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$6,441
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,641
−HK$204/mo
Today · 4.125%
HK$6,845
baseline
▲ 0.50% · 4.625%
HK$7,261
+HK$416/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$13,690/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,165
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,357
−HK$195/mo
Today · 4.125%
HK$7,552
baseline
▲ 0.50% · 4.625%
HK$7,950
+HK$398/mo
Deposit HK$942K · loan HK$1.41M · min. income ≈ HK$15,104/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,514
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$237/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,970/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$8,359
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,584
−HK$227/mo
Today · 4.125%
HK$8,811
baseline
▲ 0.50% · 4.625%
HK$9,276
+HK$465/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,622/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$9,661
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$305/mo
Today · 4.125%
HK$10,267
baseline
▲ 0.50% · 4.625%
HK$10,892
+HK$625/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,534/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$10,748
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$293/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$11,926
+HK$597/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,658/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).