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$5,323
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,488
−HK$169/mo
Today · 4.125%
HK$5,657
baseline
▲ 0.50% · 4.625%
HK$6,001
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,314/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$5,922
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,080
−HK$162/mo
Today · 4.125%
HK$6,242
baseline
▲ 0.50% · 4.625%
HK$6,571
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,484/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$6,387
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,586
−HK$202/mo
Today · 4.125%
HK$6,788
baseline
▲ 0.50% · 4.625%
HK$7,201
+HK$413/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$13,576/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$7,106
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,297
−HK$193/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$395/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$14,980/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$7,452
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$235/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,401
+HK$482/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$15,838/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$8,290
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$225/mo
Today · 4.125%
HK$8,738
baseline
▲ 0.50% · 4.625%
HK$9,199
+HK$461/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$17,476/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$9,581
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,879
−HK$303/mo
Today · 4.125%
HK$10,182
baseline
▲ 0.50% · 4.625%
HK$10,802
+HK$620/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,364/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$10,659
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$290/mo
Today · 4.125%
HK$11,235
baseline
▲ 0.50% · 4.625%
HK$11,827
+HK$592/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,470/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).