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$5,268
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,432
−HK$167/mo
Today · 4.125%
HK$5,599
baseline
▲ 0.50% · 4.625%
HK$5,939
+HK$340/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,198/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$5,861
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,018
−HK$159/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,503
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,354/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$6,322
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,518
−HK$200/mo
Today · 4.125%
HK$6,718
baseline
▲ 0.50% · 4.625%
HK$7,127
+HK$409/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,436/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,033
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,222
−HK$191/mo
Today · 4.125%
HK$7,413
baseline
▲ 0.50% · 4.625%
HK$7,804
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,826/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,375
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,605
−HK$233/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,315
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,676/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,205
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,425
−HK$223/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,104
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,296/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,483
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$299/mo
Today · 4.125%
HK$10,077
baseline
▲ 0.50% · 4.625%
HK$10,691
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,154/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,549
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,832
−HK$287/mo
Today · 4.125%
HK$11,119
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,238/mo (50% DSR)
Upfront cash ≈ HK$231K (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).