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$5,326
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,492
−HK$168/mo
Today · 4.125%
HK$5,660
baseline
▲ 0.50% · 4.625%
HK$6,005
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,320/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$5,925
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,084
−HK$161/mo
Today · 4.125%
HK$6,245
baseline
▲ 0.50% · 4.625%
HK$6,575
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,490/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$6,391
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,590
−HK$202/mo
Today · 4.125%
HK$6,792
baseline
▲ 0.50% · 4.625%
HK$7,205
+HK$413/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$13,584/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$7,110
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$193/mo
Today · 4.125%
HK$7,494
baseline
▲ 0.50% · 4.625%
HK$7,889
+HK$395/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$14,988/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$7,457
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,688
−HK$236/mo
Today · 4.125%
HK$7,924
baseline
▲ 0.50% · 4.625%
HK$8,406
+HK$482/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,848/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$8,295
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,518
−HK$226/mo
Today · 4.125%
HK$8,744
baseline
▲ 0.50% · 4.625%
HK$9,204
+HK$460/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,488/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$9,587
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$303/mo
Today · 4.125%
HK$10,188
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,376/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$10,665
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$291/mo
Today · 4.125%
HK$11,242
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$592/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,484/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).