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$5,348
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,514
−HK$169/mo
Today · 4.125%
HK$5,683
baseline
▲ 0.50% · 4.625%
HK$6,029
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,366/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$5,950
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,109
−HK$162/mo
Today · 4.125%
HK$6,271
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,542/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$6,418
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,617
−HK$203/mo
Today · 4.125%
HK$6,820
baseline
▲ 0.50% · 4.625%
HK$7,235
+HK$415/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$13,640/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,140
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,331
−HK$194/mo
Today · 4.125%
HK$7,525
baseline
▲ 0.50% · 4.625%
HK$7,922
+HK$397/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$15,050/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,487
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,720
−HK$237/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$484/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,914/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,329
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$226/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,242
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,558/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,626
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,926
−HK$304/mo
Today · 4.125%
HK$10,230
baseline
▲ 0.50% · 4.625%
HK$10,853
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,460/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,709
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,997
−HK$291/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,883
+HK$595/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,576/mo (50% DSR)
Upfront cash ≈ HK$235K (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).