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$5,329
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,495
−HK$168/mo
Today · 4.125%
HK$5,663
baseline
▲ 0.50% · 4.625%
HK$6,008
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,326/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$5,929
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,088
−HK$161/mo
Today · 4.125%
HK$6,249
baseline
▲ 0.50% · 4.625%
HK$6,578
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,498/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$6,395
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$202/mo
Today · 4.125%
HK$6,796
baseline
▲ 0.50% · 4.625%
HK$7,209
+HK$413/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$13,592/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$7,114
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$194/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,894
+HK$395/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$14,998/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$7,461
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,693
−HK$236/mo
Today · 4.125%
HK$7,929
baseline
▲ 0.50% · 4.625%
HK$8,411
+HK$482/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,858/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$8,300
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,523
−HK$225/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,210
+HK$462/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,496/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$9,592
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,891
−HK$303/mo
Today · 4.125%
HK$10,194
baseline
▲ 0.50% · 4.625%
HK$10,814
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,388/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$10,671
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,958
−HK$290/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,841
+HK$593/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,496/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).