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$5,312
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$168/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,290/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,909
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$161/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,458/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,374
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,572
−HK$202/mo
Today · 4.125%
HK$6,774
baseline
▲ 0.50% · 4.625%
HK$7,186
+HK$412/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,548/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,091
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,281
−HK$193/mo
Today · 4.125%
HK$7,474
baseline
▲ 0.50% · 4.625%
HK$7,868
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,948/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,437
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$235/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,806/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,273
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$225/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,440/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,561
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$302/mo
Today · 4.125%
HK$10,161
baseline
▲ 0.50% · 4.625%
HK$10,779
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,322/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$10,637
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,922
−HK$289/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,422/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).