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$5,309
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,474
−HK$167/mo
Today · 4.125%
HK$5,641
baseline
▲ 0.50% · 4.625%
HK$5,985
+HK$344/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,282/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$5,906
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,064
−HK$161/mo
Today · 4.125%
HK$6,225
baseline
▲ 0.50% · 4.625%
HK$6,553
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,450/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$6,370
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,568
−HK$202/mo
Today · 4.125%
HK$6,770
baseline
▲ 0.50% · 4.625%
HK$7,182
+HK$412/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,540/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,087
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,277
−HK$193/mo
Today · 4.125%
HK$7,470
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,940/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,432
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$235/mo
Today · 4.125%
HK$7,898
baseline
▲ 0.50% · 4.625%
HK$8,379
+HK$481/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,796/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,268
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,490
−HK$225/mo
Today · 4.125%
HK$8,715
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$459/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,430/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,555
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,853
−HK$302/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,310/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$10,630
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$290/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$590/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,410/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).