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$5,338
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,504
−HK$169/mo
Today · 4.125%
HK$5,673
baseline
▲ 0.50% · 4.625%
HK$6,018
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,346/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$5,939
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,098
−HK$162/mo
Today · 4.125%
HK$6,260
baseline
▲ 0.50% · 4.625%
HK$6,590
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,520/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$6,406
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,605
−HK$203/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,222
+HK$414/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$13,616/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,127
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,318
−HK$194/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$396/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$15,024/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,474
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,706
−HK$236/mo
Today · 4.125%
HK$7,942
baseline
▲ 0.50% · 4.625%
HK$8,426
+HK$484/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,884/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$8,314
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$227/mo
Today · 4.125%
HK$8,764
baseline
▲ 0.50% · 4.625%
HK$9,225
+HK$461/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,528/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$9,609
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$304/mo
Today · 4.125%
HK$10,212
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,424/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$10,690
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$290/mo
Today · 4.125%
HK$11,267
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,534/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).