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$5,350
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,516
−HK$169/mo
Today · 4.125%
HK$5,685
baseline
▲ 0.50% · 4.625%
HK$6,031
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,370/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$5,951
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,111
−HK$162/mo
Today · 4.125%
HK$6,273
baseline
▲ 0.50% · 4.625%
HK$6,604
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,546/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$6,420
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,619
−HK$203/mo
Today · 4.125%
HK$6,822
baseline
▲ 0.50% · 4.625%
HK$7,237
+HK$415/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$13,644/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$7,142
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,333
−HK$194/mo
Today · 4.125%
HK$7,527
baseline
▲ 0.50% · 4.625%
HK$7,924
+HK$397/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$15,054/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$7,489
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$237/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,443
+HK$484/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,918/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$8,332
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$227/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,245
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,564/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$9,629
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,929
−HK$304/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,856
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,466/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$10,712
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$291/mo
Today · 4.125%
HK$11,291
baseline
▲ 0.50% · 4.625%
HK$11,886
+HK$595/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,582/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).