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$5,166
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,327
−HK$163/mo
Today · 4.125%
HK$5,490
baseline
▲ 0.50% · 4.625%
HK$5,824
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,980/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$5,747
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,901
−HK$157/mo
Today · 4.125%
HK$6,058
baseline
▲ 0.50% · 4.625%
HK$6,377
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,116/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$6,199
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,392
−HK$196/mo
Today · 4.125%
HK$6,588
baseline
▲ 0.50% · 4.625%
HK$6,989
+HK$401/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$13,176/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,897
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,082
−HK$187/mo
Today · 4.125%
HK$7,269
baseline
▲ 0.50% · 4.625%
HK$7,653
+HK$384/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$14,538/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,233
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,458
−HK$228/mo
Today · 4.125%
HK$7,686
baseline
▲ 0.50% · 4.625%
HK$8,154
+HK$468/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$15,372/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,046
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$219/mo
Today · 4.125%
HK$8,481
baseline
▲ 0.50% · 4.625%
HK$8,928
+HK$447/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$16,962/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,299
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$294/mo
Today · 4.125%
HK$9,882
baseline
▲ 0.50% · 4.625%
HK$10,484
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,764/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$10,345
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,623
−HK$281/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$575/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,808/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).