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$5,341
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,507
−HK$169/mo
Today · 4.125%
HK$5,676
baseline
▲ 0.50% · 4.625%
HK$6,021
+HK$345/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,352/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$5,942
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,101
−HK$162/mo
Today · 4.125%
HK$6,263
baseline
▲ 0.50% · 4.625%
HK$6,593
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,526/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$6,409
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,608
−HK$203/mo
Today · 4.125%
HK$6,811
baseline
▲ 0.50% · 4.625%
HK$7,225
+HK$414/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$13,622/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,130
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$194/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,911
+HK$396/mo
Deposit HK$937K · loan HK$1.41M · min. income ≈ HK$15,030/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,477
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,710
−HK$236/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,429
+HK$483/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$15,892/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,318
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,541
−HK$227/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,230
+HK$462/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$17,536/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,613
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,912
−HK$304/mo
Today · 4.125%
HK$10,216
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$622/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,432/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$10,695
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$291/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$594/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,546/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).