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$5,333
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,499
−HK$169/mo
Today · 4.125%
HK$5,668
baseline
▲ 0.50% · 4.625%
HK$6,012
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,336/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$5,933
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,092
−HK$162/mo
Today · 4.125%
HK$6,254
baseline
▲ 0.50% · 4.625%
HK$6,583
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,508/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$6,400
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$202/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,215
+HK$414/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$13,602/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$7,120
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$193/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,900
+HK$396/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$15,008/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$7,466
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$236/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,417
+HK$482/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,870/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$8,306
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,529
−HK$226/mo
Today · 4.125%
HK$8,755
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$461/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,510/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$9,600
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$304/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,822
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,404/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$10,679
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$290/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$594/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,512/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).