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$5,179
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,340
−HK$164/mo
Today · 4.125%
HK$5,504
baseline
▲ 0.50% · 4.625%
HK$5,839
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,008/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$5,762
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,916
−HK$157/mo
Today · 4.125%
HK$6,073
baseline
▲ 0.50% · 4.625%
HK$6,393
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,146/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$6,215
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,409
−HK$196/mo
Today · 4.125%
HK$6,605
baseline
▲ 0.50% · 4.625%
HK$7,007
+HK$402/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$13,210/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,914
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,100
−HK$188/mo
Today · 4.125%
HK$7,288
baseline
▲ 0.50% · 4.625%
HK$7,672
+HK$384/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$14,576/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,251
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,477
−HK$229/mo
Today · 4.125%
HK$7,706
baseline
▲ 0.50% · 4.625%
HK$8,175
+HK$469/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,412/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,067
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,283
−HK$220/mo
Today · 4.125%
HK$8,503
baseline
▲ 0.50% · 4.625%
HK$8,951
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$17,006/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,323
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$294/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,510
+HK$603/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,814/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,372
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,650
−HK$282/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,508
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,864/mo (50% DSR)
Upfront cash ≈ HK$227K (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).