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$5,214
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,376
−HK$165/mo
Today · 4.125%
HK$5,541
baseline
▲ 0.50% · 4.625%
HK$5,878
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,082/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,800
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$158/mo
Today · 4.125%
HK$6,114
baseline
▲ 0.50% · 4.625%
HK$6,436
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,228/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,257
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,451
−HK$198/mo
Today · 4.125%
HK$6,649
baseline
▲ 0.50% · 4.625%
HK$7,054
+HK$405/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$13,298/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,960
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,147
−HK$189/mo
Today · 4.125%
HK$7,336
baseline
▲ 0.50% · 4.625%
HK$7,723
+HK$387/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$14,672/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,299
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$231/mo
Today · 4.125%
HK$7,757
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,514/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,120
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,338
−HK$221/mo
Today · 4.125%
HK$8,559
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$451/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,118/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,385
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$296/mo
Today · 4.125%
HK$9,973
baseline
▲ 0.50% · 4.625%
HK$10,580
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,946/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,441
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,721
−HK$284/mo
Today · 4.125%
HK$11,005
baseline
▲ 0.50% · 4.625%
HK$11,585
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,010/mo (50% DSR)
Upfront cash ≈ HK$229K (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).