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$5,327
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,493
−HK$168/mo
Today · 4.125%
HK$5,661
baseline
▲ 0.50% · 4.625%
HK$6,005
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,322/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,926
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,085
−HK$161/mo
Today · 4.125%
HK$6,246
baseline
▲ 0.50% · 4.625%
HK$6,576
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,492/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,392
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,591
−HK$202/mo
Today · 4.125%
HK$6,793
baseline
▲ 0.50% · 4.625%
HK$7,206
+HK$413/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$13,586/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,111
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,302
−HK$194/mo
Today · 4.125%
HK$7,496
baseline
▲ 0.50% · 4.625%
HK$7,891
+HK$395/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$14,992/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,458
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$235/mo
Today · 4.125%
HK$7,925
baseline
▲ 0.50% · 4.625%
HK$8,408
+HK$483/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,850/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,297
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$226/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,206
+HK$461/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,490/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,588
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$303/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,810
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,380/mo (50% DSR)
Upfront cash ≈ HK$234K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,667
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,953
−HK$290/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$593/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,486/mo (50% DSR)
Upfront cash ≈ HK$234K (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).