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$5,340
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,506
−HK$169/mo
Today · 4.125%
HK$5,675
baseline
▲ 0.50% · 4.625%
HK$6,020
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,350/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$5,940
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,100
−HK$161/mo
Today · 4.125%
HK$6,261
baseline
▲ 0.50% · 4.625%
HK$6,591
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,522/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$6,408
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$203/mo
Today · 4.125%
HK$6,810
baseline
▲ 0.50% · 4.625%
HK$7,224
+HK$414/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$13,620/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,129
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,320
−HK$194/mo
Today · 4.125%
HK$7,514
baseline
▲ 0.50% · 4.625%
HK$7,910
+HK$396/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$15,028/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,476
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$237/mo
Today · 4.125%
HK$7,945
baseline
▲ 0.50% · 4.625%
HK$8,428
+HK$483/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$15,890/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,317
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,540
−HK$226/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,228
+HK$462/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$17,532/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,612
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,911
−HK$303/mo
Today · 4.125%
HK$10,214
baseline
▲ 0.50% · 4.625%
HK$10,836
+HK$622/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,428/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$10,693
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$291/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,865
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,542/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).