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$5,343
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,509
−HK$169/mo
Today · 4.125%
HK$5,678
baseline
▲ 0.50% · 4.625%
HK$6,024
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,356/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$5,944
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,104
−HK$161/mo
Today · 4.125%
HK$6,265
baseline
▲ 0.50% · 4.625%
HK$6,595
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,530/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$6,412
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,611
−HK$203/mo
Today · 4.125%
HK$6,814
baseline
▲ 0.50% · 4.625%
HK$7,228
+HK$414/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$13,628/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,133
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,324
−HK$194/mo
Today · 4.125%
HK$7,518
baseline
▲ 0.50% · 4.625%
HK$7,915
+HK$397/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$15,036/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,480
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,713
−HK$236/mo
Today · 4.125%
HK$7,949
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$484/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$15,898/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,322
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,545
−HK$226/mo
Today · 4.125%
HK$8,771
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$463/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$17,542/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,618
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,917
−HK$304/mo
Today · 4.125%
HK$10,221
baseline
▲ 0.50% · 4.625%
HK$10,843
+HK$622/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,442/mo (50% DSR)
Upfront cash ≈ HK$234K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,699
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$291/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$595/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,554/mo (50% DSR)
Upfront cash ≈ HK$234K (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).