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$5,300
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,464
−HK$168/mo
Today · 4.125%
HK$5,632
baseline
▲ 0.50% · 4.625%
HK$5,975
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,264/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$5,896
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,054
−HK$160/mo
Today · 4.125%
HK$6,214
baseline
▲ 0.50% · 4.625%
HK$6,542
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,428/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$6,359
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,557
−HK$201/mo
Today · 4.125%
HK$6,758
baseline
▲ 0.50% · 4.625%
HK$7,169
+HK$411/mo
Deposit HK$930K · loan HK$1.39M · min. income ≈ HK$13,516/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,075
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,265
−HK$192/mo
Today · 4.125%
HK$7,457
baseline
▲ 0.50% · 4.625%
HK$7,850
+HK$393/mo
Deposit HK$930K · loan HK$1.39M · min. income ≈ HK$14,914/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,419
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$235/mo
Today · 4.125%
HK$7,885
baseline
▲ 0.50% · 4.625%
HK$8,364
+HK$479/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,770/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,254
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,475
−HK$225/mo
Today · 4.125%
HK$8,700
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$458/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,400/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,539
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,836
−HK$301/mo
Today · 4.125%
HK$10,137
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$617/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,274/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$10,612
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,897
−HK$289/mo
Today · 4.125%
HK$11,186
baseline
▲ 0.50% · 4.625%
HK$11,775
+HK$589/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,372/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).