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$5,151
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,311
−HK$163/mo
Today · 4.125%
HK$5,474
baseline
▲ 0.50% · 4.625%
HK$5,807
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,948/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$5,730
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,884
−HK$156/mo
Today · 4.125%
HK$6,040
baseline
▲ 0.50% · 4.625%
HK$6,358
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,080/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$6,181
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,373
−HK$196/mo
Today · 4.125%
HK$6,569
baseline
▲ 0.50% · 4.625%
HK$6,968
+HK$399/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$13,138/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,876
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$187/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,630
+HK$382/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$14,496/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,211
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$228/mo
Today · 4.125%
HK$7,663
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$467/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$15,326/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,022
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$219/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,901
+HK$445/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$16,912/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,271
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$293/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,452
+HK$599/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,706/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,314
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$281/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,744/mo (50% DSR)
Upfront cash ≈ HK$226K (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).