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$5,313
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,478
−HK$168/mo
Today · 4.125%
HK$5,646
baseline
▲ 0.50% · 4.625%
HK$5,989
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,292/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$5,910
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,069
−HK$161/mo
Today · 4.125%
HK$6,230
baseline
▲ 0.50% · 4.625%
HK$6,558
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,460/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$6,375
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,573
−HK$202/mo
Today · 4.125%
HK$6,775
baseline
▲ 0.50% · 4.625%
HK$7,187
+HK$412/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,550/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$7,092
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$193/mo
Today · 4.125%
HK$7,476
baseline
▲ 0.50% · 4.625%
HK$7,870
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,952/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$7,438
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,669
−HK$235/mo
Today · 4.125%
HK$7,904
baseline
▲ 0.50% · 4.625%
HK$8,385
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,808/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$8,274
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$225/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,442/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$9,563
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$302/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,324/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$10,638
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,924
−HK$289/mo
Today · 4.125%
HK$11,213
baseline
▲ 0.50% · 4.625%
HK$11,804
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,426/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).