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$5,314
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,480
−HK$168/mo
Today · 4.125%
HK$5,648
baseline
▲ 0.50% · 4.625%
HK$5,991
+HK$343/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,296/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$5,912
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$161/mo
Today · 4.125%
HK$6,232
baseline
▲ 0.50% · 4.625%
HK$6,560
+HK$328/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,464/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$6,377
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,576
−HK$201/mo
Today · 4.125%
HK$6,777
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$412/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,554/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,095
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,285
−HK$193/mo
Today · 4.125%
HK$7,478
baseline
▲ 0.50% · 4.625%
HK$7,872
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,956/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,440
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,671
−HK$236/mo
Today · 4.125%
HK$7,907
baseline
▲ 0.50% · 4.625%
HK$8,388
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,814/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,277
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$225/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,448/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,566
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$303/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,332/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$10,642
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$290/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,434/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).