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$5,337
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,503
−HK$169/mo
Today · 4.125%
HK$5,672
baseline
▲ 0.50% · 4.625%
HK$6,017
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,344/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$5,938
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,097
−HK$162/mo
Today · 4.125%
HK$6,259
baseline
▲ 0.50% · 4.625%
HK$6,588
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,518/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$6,405
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,604
−HK$202/mo
Today · 4.125%
HK$6,806
baseline
▲ 0.50% · 4.625%
HK$7,221
+HK$415/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$13,612/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$7,125
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,316
−HK$194/mo
Today · 4.125%
HK$7,510
baseline
▲ 0.50% · 4.625%
HK$7,906
+HK$396/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$15,020/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$7,472
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$236/mo
Today · 4.125%
HK$7,941
baseline
▲ 0.50% · 4.625%
HK$8,424
+HK$483/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,882/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$8,313
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$226/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$462/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,524/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$9,607
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,906
−HK$304/mo
Today · 4.125%
HK$10,210
baseline
▲ 0.50% · 4.625%
HK$10,831
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,420/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$10,688
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$290/mo
Today · 4.125%
HK$11,265
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,530/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).