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$5,328
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,493
−HK$169/mo
Today · 4.125%
HK$5,662
baseline
▲ 0.50% · 4.625%
HK$6,006
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,324/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$5,927
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,086
−HK$161/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,576
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,494/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$6,393
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$202/mo
Today · 4.125%
HK$6,794
baseline
▲ 0.50% · 4.625%
HK$7,207
+HK$413/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$13,588/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$7,112
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$194/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,892
+HK$395/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$14,994/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$7,459
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$235/mo
Today · 4.125%
HK$7,926
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$483/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$15,852/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$8,298
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$226/mo
Today · 4.125%
HK$8,746
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$461/mo
Deposit HK$701K · loan HK$1.64M · min. income ≈ HK$17,492/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$9,590
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$303/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$620/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,382/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$10,668
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$291/mo
Today · 4.125%
HK$11,245
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$592/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,490/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).