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$5,397
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,565
−HK$170/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,084
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,470/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$6,004
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$163/mo
Today · 4.125%
HK$6,328
baseline
▲ 0.50% · 4.625%
HK$6,662
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,656/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$6,476
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,678
−HK$204/mo
Today · 4.125%
HK$6,882
baseline
▲ 0.50% · 4.625%
HK$7,301
+HK$419/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$13,764/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,205
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,398
−HK$196/mo
Today · 4.125%
HK$7,594
baseline
▲ 0.50% · 4.625%
HK$7,994
+HK$400/mo
Deposit HK$947K · loan HK$1.42M · min. income ≈ HK$15,188/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,556
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$238/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$489/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$16,058/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,406
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$229/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$467/mo
Deposit HK$710K · loan HK$1.66M · min. income ≈ HK$17,720/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,714
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,017
−HK$307/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,952
+HK$628/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,648/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$10,807
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,097
−HK$294/mo
Today · 4.125%
HK$11,391
baseline
▲ 0.50% · 4.625%
HK$11,992
+HK$601/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,782/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).