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$5,307
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,472
−HK$167/mo
Today · 4.125%
HK$5,639
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,278/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,904
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,062
−HK$160/mo
Today · 4.125%
HK$6,222
baseline
▲ 0.50% · 4.625%
HK$6,550
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,444/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,368
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,566
−HK$201/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,179
+HK$412/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,534/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,084
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$193/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,861
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,934/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,429
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,660
−HK$235/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$480/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,790/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,265
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,487
−HK$224/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,171
+HK$460/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,422/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,552
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$302/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,768
+HK$617/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,302/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$10,626
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$289/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$591/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,400/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).