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$5,278
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,442
−HK$167/mo
Today · 4.125%
HK$5,609
baseline
▲ 0.50% · 4.625%
HK$5,950
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,218/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$5,872
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,029
−HK$160/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,515
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,378/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$6,334
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$200/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$409/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$13,462/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,046
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,235
−HK$192/mo
Today · 4.125%
HK$7,427
baseline
▲ 0.50% · 4.625%
HK$7,818
+HK$391/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$14,854/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,389
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,619
−HK$233/mo
Today · 4.125%
HK$7,852
baseline
▲ 0.50% · 4.625%
HK$8,330
+HK$478/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,704/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,220
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$223/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,121
+HK$457/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,328/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,500
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,796
−HK$300/mo
Today · 4.125%
HK$10,096
baseline
▲ 0.50% · 4.625%
HK$10,710
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,192/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$10,569
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,852
−HK$288/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,727
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,280/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).