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$5,331
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,497
−HK$168/mo
Today · 4.125%
HK$5,665
baseline
▲ 0.50% · 4.625%
HK$6,010
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,330/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$5,931
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$161/mo
Today · 4.125%
HK$6,251
baseline
▲ 0.50% · 4.625%
HK$6,581
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,502/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$6,397
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,596
−HK$202/mo
Today · 4.125%
HK$6,798
baseline
▲ 0.50% · 4.625%
HK$7,212
+HK$414/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$13,596/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,117
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,308
−HK$193/mo
Today · 4.125%
HK$7,501
baseline
▲ 0.50% · 4.625%
HK$7,897
+HK$396/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$15,002/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,463
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,696
−HK$235/mo
Today · 4.125%
HK$7,931
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$483/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,862/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$8,303
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,526
−HK$226/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,213
+HK$461/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,504/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$9,596
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,894
−HK$304/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,818
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,396/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$10,675
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$290/mo
Today · 4.125%
HK$11,252
baseline
▲ 0.50% · 4.625%
HK$11,845
+HK$593/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,504/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).