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$5,336
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,501
−HK$169/mo
Today · 4.125%
HK$5,670
baseline
▲ 0.50% · 4.625%
HK$6,015
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,340/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$5,936
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,095
−HK$161/mo
Today · 4.125%
HK$6,256
baseline
▲ 0.50% · 4.625%
HK$6,586
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,512/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$6,403
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,602
−HK$202/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,218
+HK$414/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$13,608/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,123
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,314
−HK$194/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$395/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$15,016/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,470
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,702
−HK$236/mo
Today · 4.125%
HK$7,938
baseline
▲ 0.50% · 4.625%
HK$8,421
+HK$483/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,876/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,310
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$226/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$462/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,518/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,604
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$303/mo
Today · 4.125%
HK$10,206
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,412/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$10,684
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,971
−HK$290/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,855
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,522/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).