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$5,355
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,522
−HK$169/mo
Today · 4.125%
HK$5,691
baseline
▲ 0.50% · 4.625%
HK$6,037
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,382/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$5,958
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,117
−HK$162/mo
Today · 4.125%
HK$6,279
baseline
▲ 0.50% · 4.625%
HK$6,610
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,558/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$6,426
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,626
−HK$203/mo
Today · 4.125%
HK$6,829
baseline
▲ 0.50% · 4.625%
HK$7,245
+HK$416/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$13,658/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,149
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$194/mo
Today · 4.125%
HK$7,535
baseline
▲ 0.50% · 4.625%
HK$7,933
+HK$398/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$15,070/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,497
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,730
−HK$237/mo
Today · 4.125%
HK$7,967
baseline
▲ 0.50% · 4.625%
HK$8,452
+HK$485/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$15,934/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,341
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,564
−HK$227/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,255
+HK$464/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$17,582/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,639
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$305/mo
Today · 4.125%
HK$10,244
baseline
▲ 0.50% · 4.625%
HK$10,867
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,488/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,724
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$292/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$596/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,606/mo (50% DSR)
Upfront cash ≈ HK$235K (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).