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$5,347
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,513
−HK$169/mo
Today · 4.125%
HK$5,682
baseline
▲ 0.50% · 4.625%
HK$6,028
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,364/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$5,948
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,108
−HK$162/mo
Today · 4.125%
HK$6,270
baseline
▲ 0.50% · 4.625%
HK$6,600
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,540/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$6,416
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$202/mo
Today · 4.125%
HK$6,818
baseline
▲ 0.50% · 4.625%
HK$7,233
+HK$415/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$13,636/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,138
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$195/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,920
+HK$396/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$15,048/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,485
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,718
−HK$237/mo
Today · 4.125%
HK$7,955
baseline
▲ 0.50% · 4.625%
HK$8,439
+HK$484/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$15,910/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$8,328
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,551
−HK$226/mo
Today · 4.125%
HK$8,777
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$463/mo
Deposit HK$703K · loan HK$1.64M · min. income ≈ HK$17,554/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$9,624
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,924
−HK$304/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,850
+HK$622/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$20,456/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$10,707
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,994
−HK$291/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,880
+HK$595/mo
Deposit HK$234K · loan HK$2.11M · min. income ≈ HK$22,570/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).