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$5,325
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,491
−HK$168/mo
Today · 4.125%
HK$5,659
baseline
▲ 0.50% · 4.625%
HK$6,003
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,318/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$5,924
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,083
−HK$161/mo
Today · 4.125%
HK$6,244
baseline
▲ 0.50% · 4.625%
HK$6,573
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,488/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$6,390
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,589
−HK$202/mo
Today · 4.125%
HK$6,791
baseline
▲ 0.50% · 4.625%
HK$7,204
+HK$413/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$13,582/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$7,109
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$193/mo
Today · 4.125%
HK$7,493
baseline
▲ 0.50% · 4.625%
HK$7,888
+HK$395/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$14,986/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$7,455
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,687
−HK$236/mo
Today · 4.125%
HK$7,923
baseline
▲ 0.50% · 4.625%
HK$8,405
+HK$482/mo
Deposit HK$701K · loan HK$1.63M · min. income ≈ HK$15,846/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,294
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,516
−HK$226/mo
Today · 4.125%
HK$8,742
baseline
▲ 0.50% · 4.625%
HK$9,203
+HK$461/mo
Deposit HK$701K · loan HK$1.63M · min. income ≈ HK$17,484/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,585
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$303/mo
Today · 4.125%
HK$10,186
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,372/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$10,664
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$291/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$592/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,480/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).