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$5,310
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,475
−HK$168/mo
Today · 4.125%
HK$5,643
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,286/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$5,907
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,066
−HK$161/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,555
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,454/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$6,372
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$202/mo
Today · 4.125%
HK$6,772
baseline
▲ 0.50% · 4.625%
HK$7,184
+HK$412/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,544/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,089
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,279
−HK$193/mo
Today · 4.125%
HK$7,472
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,944/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,434
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,665
−HK$235/mo
Today · 4.125%
HK$7,900
baseline
▲ 0.50% · 4.625%
HK$8,381
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,800/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,270
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,492
−HK$225/mo
Today · 4.125%
HK$8,717
baseline
▲ 0.50% · 4.625%
HK$9,177
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,434/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,558
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$302/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,316/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$10,633
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$289/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,416/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).