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$5,309
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,474
−HK$168/mo
Today · 4.125%
HK$5,642
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$344/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,284/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,907
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,065
−HK$161/mo
Today · 4.125%
HK$6,226
baseline
▲ 0.50% · 4.625%
HK$6,554
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,452/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,371
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,569
−HK$202/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,183
+HK$412/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,542/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,088
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$193/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,865
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,942/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,433
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,664
−HK$235/mo
Today · 4.125%
HK$7,899
baseline
▲ 0.50% · 4.625%
HK$8,380
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,798/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,269
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,491
−HK$225/mo
Today · 4.125%
HK$8,716
baseline
▲ 0.50% · 4.625%
HK$9,175
+HK$459/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,432/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,557
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,854
−HK$302/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,312/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,632
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,917
−HK$289/mo
Today · 4.125%
HK$11,206
baseline
▲ 0.50% · 4.625%
HK$11,797
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,412/mo (50% DSR)
Upfront cash ≈ HK$233K (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).