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$5,338
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,504
−HK$169/mo
Today · 4.125%
HK$5,673
baseline
▲ 0.50% · 4.625%
HK$6,018
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,346/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$5,938
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,098
−HK$161/mo
Today · 4.125%
HK$6,259
baseline
▲ 0.50% · 4.625%
HK$6,589
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,518/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$6,405
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,605
−HK$202/mo
Today · 4.125%
HK$6,807
baseline
▲ 0.50% · 4.625%
HK$7,221
+HK$414/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$13,614/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,126
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,317
−HK$194/mo
Today · 4.125%
HK$7,511
baseline
▲ 0.50% · 4.625%
HK$7,907
+HK$396/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$15,022/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,473
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$237/mo
Today · 4.125%
HK$7,942
baseline
▲ 0.50% · 4.625%
HK$8,425
+HK$483/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,884/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,314
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$226/mo
Today · 4.125%
HK$8,763
baseline
▲ 0.50% · 4.625%
HK$9,225
+HK$462/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,526/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,608
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$304/mo
Today · 4.125%
HK$10,211
baseline
▲ 0.50% · 4.625%
HK$10,832
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,422/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$10,689
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,976
−HK$290/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,860
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,532/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).