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$5,157
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,317
−HK$163/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,813
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,960/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,737
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,891
−HK$156/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,365
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,094/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,188
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,380
−HK$196/mo
Today · 4.125%
HK$6,576
baseline
▲ 0.50% · 4.625%
HK$6,976
+HK$400/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$13,152/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,884
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$187/mo
Today · 4.125%
HK$7,256
baseline
▲ 0.50% · 4.625%
HK$7,638
+HK$382/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$14,512/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,219
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,444
−HK$228/mo
Today · 4.125%
HK$7,672
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$467/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$15,344/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,031
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$218/mo
Today · 4.125%
HK$8,465
baseline
▲ 0.50% · 4.625%
HK$8,911
+HK$446/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$16,930/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,282
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,571
−HK$293/mo
Today · 4.125%
HK$9,864
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$600/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,728/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,326
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,603
−HK$281/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,458
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,768/mo (50% DSR)
Upfront cash ≈ HK$226K (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).