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$5,339
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,505
−HK$169/mo
Today · 4.125%
HK$5,674
baseline
▲ 0.50% · 4.625%
HK$6,019
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,348/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$5,939
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,099
−HK$161/mo
Today · 4.125%
HK$6,260
baseline
▲ 0.50% · 4.625%
HK$6,590
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,520/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$6,407
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,606
−HK$202/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,223
+HK$415/mo
Deposit HK$937K · loan HK$1.40M · min. income ≈ HK$13,616/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,127
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,319
−HK$193/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$396/mo
Deposit HK$937K · loan HK$1.40M · min. income ≈ HK$15,024/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,474
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$236/mo
Today · 4.125%
HK$7,943
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$484/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,886/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,315
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,538
−HK$227/mo
Today · 4.125%
HK$8,765
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$462/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,530/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,610
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$304/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,834
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,426/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$10,691
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,978
−HK$291/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,538/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).