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$5,330
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,496
−HK$168/mo
Today · 4.125%
HK$5,664
baseline
▲ 0.50% · 4.625%
HK$6,009
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,328/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$5,929
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,089
−HK$161/mo
Today · 4.125%
HK$6,250
baseline
▲ 0.50% · 4.625%
HK$6,579
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,500/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$6,396
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,595
−HK$202/mo
Today · 4.125%
HK$6,797
baseline
▲ 0.50% · 4.625%
HK$7,211
+HK$414/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$13,594/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$7,115
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$194/mo
Today · 4.125%
HK$7,500
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$395/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$15,000/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$7,462
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,694
−HK$236/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$482/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,860/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$8,301
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$226/mo
Today · 4.125%
HK$8,750
baseline
▲ 0.50% · 4.625%
HK$9,211
+HK$461/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,500/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$9,594
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,892
−HK$304/mo
Today · 4.125%
HK$10,196
baseline
▲ 0.50% · 4.625%
HK$10,816
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,392/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$10,673
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,959
−HK$291/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,843
+HK$593/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,500/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).