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$5,358
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,524
−HK$170/mo
Today · 4.125%
HK$5,694
baseline
▲ 0.50% · 4.625%
HK$6,040
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,388/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$5,960
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,120
−HK$162/mo
Today · 4.125%
HK$6,282
baseline
▲ 0.50% · 4.625%
HK$6,613
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,564/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$6,429
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,629
−HK$203/mo
Today · 4.125%
HK$6,832
baseline
▲ 0.50% · 4.625%
HK$7,248
+HK$416/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$13,664/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$7,152
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,344
−HK$195/mo
Today · 4.125%
HK$7,539
baseline
▲ 0.50% · 4.625%
HK$7,936
+HK$397/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$15,078/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$7,501
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,734
−HK$237/mo
Today · 4.125%
HK$7,971
baseline
▲ 0.50% · 4.625%
HK$8,456
+HK$485/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$15,942/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$8,344
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$227/mo
Today · 4.125%
HK$8,795
baseline
▲ 0.50% · 4.625%
HK$9,259
+HK$464/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$17,590/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$9,644
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$304/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$624/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,496/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$10,729
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$292/mo
Today · 4.125%
HK$11,308
baseline
▲ 0.50% · 4.625%
HK$11,904
+HK$596/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,616/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).