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$5,331
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,497
−HK$169/mo
Today · 4.125%
HK$5,666
baseline
▲ 0.50% · 4.625%
HK$6,010
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,332/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$5,931
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$161/mo
Today · 4.125%
HK$6,251
baseline
▲ 0.50% · 4.625%
HK$6,581
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,502/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$6,397
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,596
−HK$203/mo
Today · 4.125%
HK$6,799
baseline
▲ 0.50% · 4.625%
HK$7,212
+HK$413/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$13,598/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,117
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,308
−HK$194/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,897
+HK$395/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$15,004/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,464
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,696
−HK$236/mo
Today · 4.125%
HK$7,932
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$482/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,864/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,303
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,526
−HK$226/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,213
+HK$461/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,504/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,596
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,895
−HK$303/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,818
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,396/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$10,676
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$290/mo
Today · 4.125%
HK$11,252
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$594/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,504/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).