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$5,404
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,572
−HK$171/mo
Today · 4.125%
HK$5,743
baseline
▲ 0.50% · 4.625%
HK$6,093
+HK$350/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,486/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,012
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,173
−HK$164/mo
Today · 4.125%
HK$6,337
baseline
▲ 0.50% · 4.625%
HK$6,671
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,674/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,485
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$205/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$419/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$13,784/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,215
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$196/mo
Today · 4.125%
HK$7,604
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$401/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$15,208/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,566
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,801
−HK$239/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$490/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$16,080/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,417
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$229/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$467/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$17,744/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,728
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$308/mo
Today · 4.125%
HK$10,338
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$629/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,676/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,822
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,112
−HK$294/mo
Today · 4.125%
HK$11,406
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$602/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,812/mo (50% DSR)
Upfront cash ≈ HK$237K (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).