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$5,322
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,487
−HK$168/mo
Today · 4.125%
HK$5,655
baseline
▲ 0.50% · 4.625%
HK$6,000
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,310/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$5,920
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,079
−HK$161/mo
Today · 4.125%
HK$6,240
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,480/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$6,386
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,585
−HK$202/mo
Today · 4.125%
HK$6,787
baseline
▲ 0.50% · 4.625%
HK$7,200
+HK$413/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$13,574/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$7,104
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$193/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$395/mo
Deposit HK$934K · loan HK$1.40M · min. income ≈ HK$14,976/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$7,450
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$236/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$481/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$15,836/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,289
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$225/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$461/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$17,472/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,579
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$303/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,360/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$10,657
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,943
−HK$289/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,825
+HK$593/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,464/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).