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$5,315
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,481
−HK$168/mo
Today · 4.125%
HK$5,649
baseline
▲ 0.50% · 4.625%
HK$5,992
+HK$343/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,298/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$5,913
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,072
−HK$161/mo
Today · 4.125%
HK$6,233
baseline
▲ 0.50% · 4.625%
HK$6,561
+HK$328/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,466/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$6,378
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,577
−HK$201/mo
Today · 4.125%
HK$6,778
baseline
▲ 0.50% · 4.625%
HK$7,191
+HK$413/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,556/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$7,096
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,286
−HK$193/mo
Today · 4.125%
HK$7,479
baseline
▲ 0.50% · 4.625%
HK$7,873
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,958/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$7,441
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,673
−HK$235/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,816/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$8,278
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$226/mo
Today · 4.125%
HK$8,726
baseline
▲ 0.50% · 4.625%
HK$9,186
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,452/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$9,567
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$302/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,334/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$10,644
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$290/mo
Today · 4.125%
HK$11,219
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,438/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).