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$5,312
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$168/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,989
+HK$344/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,290/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,910
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$161/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,458/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,375
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,573
−HK$201/mo
Today · 4.125%
HK$6,774
baseline
▲ 0.50% · 4.625%
HK$7,187
+HK$413/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,548/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$7,092
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$193/mo
Today · 4.125%
HK$7,475
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,950/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$7,437
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$235/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,806/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$8,274
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$225/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$459/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,442/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$9,562
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$303/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,780
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,324/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$10,638
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$289/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,424/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).