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$5,317
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,482
−HK$168/mo
Today · 4.125%
HK$5,650
baseline
▲ 0.50% · 4.625%
HK$5,994
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,300/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$5,915
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,073
−HK$161/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,563
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,468/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$6,380
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,578
−HK$202/mo
Today · 4.125%
HK$6,780
baseline
▲ 0.50% · 4.625%
HK$7,193
+HK$413/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$13,560/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$7,098
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,288
−HK$193/mo
Today · 4.125%
HK$7,481
baseline
▲ 0.50% · 4.625%
HK$7,875
+HK$394/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$14,962/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$7,443
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$235/mo
Today · 4.125%
HK$7,910
baseline
▲ 0.50% · 4.625%
HK$8,391
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,820/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$8,281
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$225/mo
Today · 4.125%
HK$8,728
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,456/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$9,570
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$302/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,340/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$10,646
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,932
−HK$290/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,444/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).