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$5,241
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,404
−HK$166/mo
Today · 4.125%
HK$5,570
baseline
▲ 0.50% · 4.625%
HK$5,909
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,140/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,831
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,987
−HK$159/mo
Today · 4.125%
HK$6,146
baseline
▲ 0.50% · 4.625%
HK$6,470
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,292/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,289
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$199/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$406/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,368/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,997
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$191/mo
Today · 4.125%
HK$7,375
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,750/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,337
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$232/mo
Today · 4.125%
HK$7,798
baseline
▲ 0.50% · 4.625%
HK$8,272
+HK$474/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,596/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,163
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,382
−HK$222/mo
Today · 4.125%
HK$8,604
baseline
▲ 0.50% · 4.625%
HK$9,057
+HK$453/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,208/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,434
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$298/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,050/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,495
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,777
−HK$285/mo
Today · 4.125%
HK$11,062
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,124/mo (50% DSR)
Upfront cash ≈ HK$230K (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).