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$5,312
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$168/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,290/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$5,909
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$161/mo
Today · 4.125%
HK$6,228
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$329/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,456/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$6,374
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,572
−HK$202/mo
Today · 4.125%
HK$6,774
baseline
▲ 0.50% · 4.625%
HK$7,186
+HK$412/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,548/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,091
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,281
−HK$193/mo
Today · 4.125%
HK$7,474
baseline
▲ 0.50% · 4.625%
HK$7,868
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,948/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,436
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$235/mo
Today · 4.125%
HK$7,902
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,804/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$8,273
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$226/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,179
+HK$459/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,440/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$9,561
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,858
−HK$302/mo
Today · 4.125%
HK$10,160
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,320/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$10,636
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$290/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,422/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).