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$5,357
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,524
−HK$169/mo
Today · 4.125%
HK$5,693
baseline
▲ 0.50% · 4.625%
HK$6,039
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,386/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$5,960
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,119
−HK$163/mo
Today · 4.125%
HK$6,282
baseline
▲ 0.50% · 4.625%
HK$6,613
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,564/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$6,428
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,628
−HK$204/mo
Today · 4.125%
HK$6,832
baseline
▲ 0.50% · 4.625%
HK$7,247
+HK$415/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$13,664/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,152
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$195/mo
Today · 4.125%
HK$7,538
baseline
▲ 0.50% · 4.625%
HK$7,935
+HK$397/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$15,076/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,500
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,733
−HK$237/mo
Today · 4.125%
HK$7,970
baseline
▲ 0.50% · 4.625%
HK$8,455
+HK$485/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$15,940/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,343
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,567
−HK$227/mo
Today · 4.125%
HK$8,794
baseline
▲ 0.50% · 4.625%
HK$9,258
+HK$464/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$17,588/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,643
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,943
−HK$304/mo
Today · 4.125%
HK$10,247
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$624/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,494/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$10,727
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,015
−HK$292/mo
Today · 4.125%
HK$11,307
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$596/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,614/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).