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$5,321
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,487
−HK$168/mo
Today · 4.125%
HK$5,655
baseline
▲ 0.50% · 4.625%
HK$5,999
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,310/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$5,920
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,079
−HK$161/mo
Today · 4.125%
HK$6,240
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,480/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$6,386
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,584
−HK$202/mo
Today · 4.125%
HK$6,786
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$413/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$13,572/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,104
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$193/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$395/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$14,976/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,450
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$235/mo
Today · 4.125%
HK$7,917
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$482/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$15,834/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,288
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,510
−HK$226/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,196
+HK$460/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$17,472/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,579
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$302/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$620/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,358/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$10,656
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$290/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$592/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,464/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).