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$5,349
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,515
−HK$169/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$6,030
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,368/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$5,950
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,110
−HK$162/mo
Today · 4.125%
HK$6,272
baseline
▲ 0.50% · 4.625%
HK$6,603
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,544/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$6,419
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$203/mo
Today · 4.125%
HK$6,821
baseline
▲ 0.50% · 4.625%
HK$7,236
+HK$415/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$13,642/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,141
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,332
−HK$194/mo
Today · 4.125%
HK$7,526
baseline
▲ 0.50% · 4.625%
HK$7,923
+HK$397/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$15,052/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,488
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,721
−HK$237/mo
Today · 4.125%
HK$7,958
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$484/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,916/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,331
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,554
−HK$227/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,562/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,628
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$305/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$622/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,464/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$10,711
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$292/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$595/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,580/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).