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$5,352
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,519
−HK$169/mo
Today · 4.125%
HK$5,688
baseline
▲ 0.50% · 4.625%
HK$6,034
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,376/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$5,954
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$162/mo
Today · 4.125%
HK$6,276
baseline
▲ 0.50% · 4.625%
HK$6,607
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,552/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$6,423
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,622
−HK$203/mo
Today · 4.125%
HK$6,825
baseline
▲ 0.50% · 4.625%
HK$7,241
+HK$416/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$13,650/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,145
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$194/mo
Today · 4.125%
HK$7,531
baseline
▲ 0.50% · 4.625%
HK$7,928
+HK$397/mo
Deposit HK$939K · loan HK$1.41M · min. income ≈ HK$15,062/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,493
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$237/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,447
+HK$484/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,926/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,336
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$227/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,572/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,634
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$305/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,476/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,718
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$292/mo
Today · 4.125%
HK$11,297
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$595/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,594/mo (50% DSR)
Upfront cash ≈ HK$235K (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).