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$5,307
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,472
−HK$168/mo
Today · 4.125%
HK$5,640
baseline
▲ 0.50% · 4.625%
HK$5,983
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,280/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,904
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,063
−HK$160/mo
Today · 4.125%
HK$6,223
baseline
▲ 0.50% · 4.625%
HK$6,551
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,446/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,369
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,567
−HK$201/mo
Today · 4.125%
HK$6,768
baseline
▲ 0.50% · 4.625%
HK$7,180
+HK$412/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,536/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,085
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,275
−HK$193/mo
Today · 4.125%
HK$7,468
baseline
▲ 0.50% · 4.625%
HK$7,862
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,936/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,430
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,661
−HK$235/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$481/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,792/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,266
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$225/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$459/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,426/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,553
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,850
−HK$302/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,770
+HK$618/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,304/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$10,628
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$289/mo
Today · 4.125%
HK$11,202
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$590/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,404/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).