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$5,222
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$165/mo
Today · 4.125%
HK$5,549
baseline
▲ 0.50% · 4.625%
HK$5,887
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,098/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$5,809
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,965
−HK$158/mo
Today · 4.125%
HK$6,123
baseline
▲ 0.50% · 4.625%
HK$6,446
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,246/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$6,266
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,461
−HK$198/mo
Today · 4.125%
HK$6,659
baseline
▲ 0.50% · 4.625%
HK$7,064
+HK$405/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$13,318/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,971
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,158
−HK$190/mo
Today · 4.125%
HK$7,348
baseline
▲ 0.50% · 4.625%
HK$7,735
+HK$387/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$14,696/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,311
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,538
−HK$231/mo
Today · 4.125%
HK$7,769
baseline
▲ 0.50% · 4.625%
HK$8,242
+HK$473/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$15,538/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,133
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,351
−HK$221/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,024
+HK$452/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$17,144/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,399
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,692
−HK$297/mo
Today · 4.125%
HK$9,989
baseline
▲ 0.50% · 4.625%
HK$10,597
+HK$608/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,978/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,457
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,737
−HK$285/mo
Today · 4.125%
HK$11,022
baseline
▲ 0.50% · 4.625%
HK$11,603
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,044/mo (50% DSR)
Upfront cash ≈ HK$229K (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).