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$5,316
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,482
−HK$168/mo
Today · 4.125%
HK$5,650
baseline
▲ 0.50% · 4.625%
HK$5,993
+HK$343/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$5,914
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,073
−HK$161/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,562
+HK$328/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$6,379
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,578
−HK$201/mo
Today · 4.125%
HK$6,779
baseline
▲ 0.50% · 4.625%
HK$7,192
+HK$413/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$13,558/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$7,097
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$193/mo
Today · 4.125%
HK$7,480
baseline
▲ 0.50% · 4.625%
HK$7,875
+HK$395/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$14,960/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$466/mo
▼ 0.25% · 3.875%
HK$7,674
−HK$235/mo
Today · 4.125%
HK$7,909
baseline
▲ 0.50% · 4.625%
HK$8,391
+HK$482/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,818/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$8,280
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$225/mo
Today · 4.125%
HK$8,727
baseline
▲ 0.50% · 4.625%
HK$9,187
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,454/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$9,569
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$302/mo
Today · 4.125%
HK$10,169
baseline
▲ 0.50% · 4.625%
HK$10,788
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,338/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$575/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$290/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,442/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).