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$5,318
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,483
−HK$168/mo
Today · 4.125%
HK$5,651
baseline
▲ 0.50% · 4.625%
HK$5,995
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,302/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$5,916
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,075
−HK$161/mo
Today · 4.125%
HK$6,236
baseline
▲ 0.50% · 4.625%
HK$6,564
+HK$328/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,472/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$6,381
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,580
−HK$202/mo
Today · 4.125%
HK$6,782
baseline
▲ 0.50% · 4.625%
HK$7,194
+HK$412/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$13,564/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,099
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,290
−HK$193/mo
Today · 4.125%
HK$7,483
baseline
▲ 0.50% · 4.625%
HK$7,877
+HK$394/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$14,966/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,445
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,676
−HK$236/mo
Today · 4.125%
HK$7,912
baseline
▲ 0.50% · 4.625%
HK$8,393
+HK$481/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$15,824/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$8,282
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,504
−HK$226/mo
Today · 4.125%
HK$8,730
baseline
▲ 0.50% · 4.625%
HK$9,190
+HK$460/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$17,460/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$9,572
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,870
−HK$302/mo
Today · 4.125%
HK$10,172
baseline
▲ 0.50% · 4.625%
HK$10,791
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,344/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$10,649
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,934
−HK$290/mo
Today · 4.125%
HK$11,224
baseline
▲ 0.50% · 4.625%
HK$11,816
+HK$592/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,448/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).