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$5,354
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$170/mo
Today · 4.125%
HK$5,690
baseline
▲ 0.50% · 4.625%
HK$6,036
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,380/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$5,956
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,116
−HK$162/mo
Today · 4.125%
HK$6,278
baseline
▲ 0.50% · 4.625%
HK$6,609
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,556/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$6,425
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,624
−HK$203/mo
Today · 4.125%
HK$6,827
baseline
▲ 0.50% · 4.625%
HK$7,243
+HK$416/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$13,654/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,147
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$194/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,931
+HK$398/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$15,066/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,495
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$236/mo
Today · 4.125%
HK$7,965
baseline
▲ 0.50% · 4.625%
HK$8,450
+HK$485/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,930/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,339
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,562
−HK$227/mo
Today · 4.125%
HK$8,789
baseline
▲ 0.50% · 4.625%
HK$9,252
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,578/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,637
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$304/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,864
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,482/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,721
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$292/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$596/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,600/mo (50% DSR)
Upfront cash ≈ HK$235K (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).