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$5,320
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,485
−HK$169/mo
Today · 4.125%
HK$5,654
baseline
▲ 0.50% · 4.625%
HK$5,998
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,308/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$5,918
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,077
−HK$161/mo
Today · 4.125%
HK$6,238
baseline
▲ 0.50% · 4.625%
HK$6,567
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,476/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$6,384
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,582
−HK$202/mo
Today · 4.125%
HK$6,784
baseline
▲ 0.50% · 4.625%
HK$7,197
+HK$413/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$13,568/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,102
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$194/mo
Today · 4.125%
HK$7,486
baseline
▲ 0.50% · 4.625%
HK$7,880
+HK$394/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$14,972/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,448
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$235/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,397
+HK$482/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$15,830/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,286
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$225/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$461/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$17,466/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,576
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,874
−HK$302/mo
Today · 4.125%
HK$10,176
baseline
▲ 0.50% · 4.625%
HK$10,796
+HK$620/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,352/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$10,653
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$290/mo
Today · 4.125%
HK$11,229
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,458/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).