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$5,328
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$168/mo
Today · 4.125%
HK$5,662
baseline
▲ 0.50% · 4.625%
HK$6,007
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,324/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$5,927
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,086
−HK$162/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,577
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,496/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$6,394
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,593
−HK$202/mo
Today · 4.125%
HK$6,795
baseline
▲ 0.50% · 4.625%
HK$7,208
+HK$413/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$13,590/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,113
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,304
−HK$193/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,892
+HK$395/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$14,994/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,459
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$236/mo
Today · 4.125%
HK$7,927
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$482/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,854/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,298
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$226/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,208
+HK$461/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,494/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,591
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$303/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,812
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,384/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$10,669
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$290/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,839
+HK$593/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,492/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).