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$5,305
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$167/mo
Today · 4.125%
HK$5,637
baseline
▲ 0.50% · 4.625%
HK$5,980
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,274/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,901
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$160/mo
Today · 4.125%
HK$6,220
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,440/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,365
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$202/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,176
+HK$411/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,530/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,082
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$193/mo
Today · 4.125%
HK$7,464
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,928/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,426
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$235/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$480/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,784/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,262
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$225/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,167
+HK$459/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,416/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,548
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,845
−HK$302/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$617/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,294/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$10,622
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$289/mo
Today · 4.125%
HK$11,196
baseline
▲ 0.50% · 4.625%
HK$11,786
+HK$590/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,392/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).