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$5,351
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,517
−HK$169/mo
Today · 4.125%
HK$5,686
baseline
▲ 0.50% · 4.625%
HK$6,032
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,372/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$5,953
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,112
−HK$162/mo
Today · 4.125%
HK$6,274
baseline
▲ 0.50% · 4.625%
HK$6,605
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,548/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$6,421
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,621
−HK$203/mo
Today · 4.125%
HK$6,824
baseline
▲ 0.50% · 4.625%
HK$7,239
+HK$415/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$13,648/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$7,143
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,335
−HK$194/mo
Today · 4.125%
HK$7,529
baseline
▲ 0.50% · 4.625%
HK$7,926
+HK$397/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$15,058/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$7,491
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,724
−HK$237/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,445
+HK$484/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,922/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$8,334
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,557
−HK$227/mo
Today · 4.125%
HK$8,784
baseline
▲ 0.50% · 4.625%
HK$9,247
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,568/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$9,631
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,931
−HK$304/mo
Today · 4.125%
HK$10,235
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,470/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$10,715
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$292/mo
Today · 4.125%
HK$11,294
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$595/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,588/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).