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$5,342
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$169/mo
Today · 4.125%
HK$5,677
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,354/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$5,943
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$162/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,594
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,528/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$6,410
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,610
−HK$202/mo
Today · 4.125%
HK$6,812
baseline
▲ 0.50% · 4.625%
HK$7,227
+HK$415/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$13,624/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,131
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,322
−HK$194/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,913
+HK$397/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$15,032/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,478
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,711
−HK$236/mo
Today · 4.125%
HK$7,947
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$484/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$15,894/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,320
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$226/mo
Today · 4.125%
HK$8,769
baseline
▲ 0.50% · 4.625%
HK$9,231
+HK$462/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$17,538/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,615
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,914
−HK$304/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,840
+HK$622/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,436/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$10,697
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$291/mo
Today · 4.125%
HK$11,275
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,550/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).