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$5,336
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,502
−HK$169/mo
Today · 4.125%
HK$5,671
baseline
▲ 0.50% · 4.625%
HK$6,016
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,342/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$5,936
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,096
−HK$161/mo
Today · 4.125%
HK$6,257
baseline
▲ 0.50% · 4.625%
HK$6,587
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,514/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$6,403
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,603
−HK$202/mo
Today · 4.125%
HK$6,805
baseline
▲ 0.50% · 4.625%
HK$7,219
+HK$414/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$13,610/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,124
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$194/mo
Today · 4.125%
HK$7,509
baseline
▲ 0.50% · 4.625%
HK$7,904
+HK$395/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$15,018/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,471
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,703
−HK$236/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$483/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,878/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,311
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,534
−HK$226/mo
Today · 4.125%
HK$8,760
baseline
▲ 0.50% · 4.625%
HK$9,222
+HK$462/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,520/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,605
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$304/mo
Today · 4.125%
HK$10,208
baseline
▲ 0.50% · 4.625%
HK$10,829
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,416/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$10,686
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,972
−HK$291/mo
Today · 4.125%
HK$11,263
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,526/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).