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$5,321
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,487
−HK$168/mo
Today · 4.125%
HK$5,655
baseline
▲ 0.50% · 4.625%
HK$5,999
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,310/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$5,920
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,078
−HK$162/mo
Today · 4.125%
HK$6,240
baseline
▲ 0.50% · 4.625%
HK$6,568
+HK$328/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,480/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$6,385
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,584
−HK$202/mo
Today · 4.125%
HK$6,786
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$413/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$13,572/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,104
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,294
−HK$193/mo
Today · 4.125%
HK$7,487
baseline
▲ 0.50% · 4.625%
HK$7,882
+HK$395/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$14,974/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,450
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,681
−HK$236/mo
Today · 4.125%
HK$7,917
baseline
▲ 0.50% · 4.625%
HK$8,398
+HK$481/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$15,834/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$8,288
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,510
−HK$225/mo
Today · 4.125%
HK$8,735
baseline
▲ 0.50% · 4.625%
HK$9,196
+HK$461/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$17,470/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$9,578
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$303/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,358/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$10,656
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$290/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$592/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,462/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).