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$5,340
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,506
−HK$168/mo
Today · 4.125%
HK$5,674
baseline
▲ 0.50% · 4.625%
HK$6,020
+HK$346/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$5,940
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,100
−HK$161/mo
Today · 4.125%
HK$6,261
baseline
▲ 0.50% · 4.625%
HK$6,591
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,522/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$402/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$202/mo
Today · 4.125%
HK$6,809
baseline
▲ 0.50% · 4.625%
HK$7,224
+HK$415/mo
Deposit HK$937K · loan HK$1.40M · min. income ≈ HK$13,618/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$7,128
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,319
−HK$194/mo
Today · 4.125%
HK$7,513
baseline
▲ 0.50% · 4.625%
HK$7,909
+HK$396/mo
Deposit HK$937K · loan HK$1.40M · min. income ≈ HK$15,026/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$7,475
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$236/mo
Today · 4.125%
HK$7,944
baseline
▲ 0.50% · 4.625%
HK$8,428
+HK$484/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,888/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$8,316
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,539
−HK$227/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,228
+HK$462/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,532/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$9,611
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,910
−HK$304/mo
Today · 4.125%
HK$10,214
baseline
▲ 0.50% · 4.625%
HK$10,835
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,428/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$10,692
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,979
−HK$291/mo
Today · 4.125%
HK$11,270
baseline
▲ 0.50% · 4.625%
HK$11,864
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,540/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).