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$5,334
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,499
−HK$169/mo
Today · 4.125%
HK$5,668
baseline
▲ 0.50% · 4.625%
HK$6,013
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,336/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$5,934
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,093
−HK$161/mo
Today · 4.125%
HK$6,254
baseline
▲ 0.50% · 4.625%
HK$6,584
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,508/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$6,400
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$203/mo
Today · 4.125%
HK$6,802
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$414/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$13,604/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,120
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$194/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,901
+HK$396/mo
Deposit HK$936K · loan HK$1.40M · min. income ≈ HK$15,010/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,467
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$236/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,418
+HK$483/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,870/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,307
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$226/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,217
+HK$461/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,512/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,600
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,899
−HK$303/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$621/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,404/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$10,680
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$290/mo
Today · 4.125%
HK$11,257
baseline
▲ 0.50% · 4.625%
HK$11,851
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,514/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).