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$5,282
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,447
−HK$166/mo
Today · 4.125%
HK$5,613
baseline
▲ 0.50% · 4.625%
HK$5,955
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,226/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,876
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,034
−HK$160/mo
Today · 4.125%
HK$6,194
baseline
▲ 0.50% · 4.625%
HK$6,520
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,388/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,339
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,536
−HK$200/mo
Today · 4.125%
HK$6,736
baseline
▲ 0.50% · 4.625%
HK$7,146
+HK$410/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$13,472/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,052
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,241
−HK$192/mo
Today · 4.125%
HK$7,433
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$392/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$14,866/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,395
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,625
−HK$234/mo
Today · 4.125%
HK$7,859
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$478/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$15,718/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,227
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,448
−HK$224/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,129
+HK$457/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$17,344/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,508
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$300/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$615/mo
Deposit HK$232K · loan HK$2.08M · min. income ≈ HK$20,208/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,578
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$288/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,737
+HK$588/mo
Deposit HK$232K · loan HK$2.08M · min. income ≈ HK$22,298/mo (50% DSR)
Upfront cash ≈ HK$232K (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).