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$5,207
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$164/mo
Today · 4.125%
HK$5,533
baseline
▲ 0.50% · 4.625%
HK$5,870
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,066/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,793
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$158/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,427
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,212/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,248
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,443
−HK$197/mo
Today · 4.125%
HK$6,640
baseline
▲ 0.50% · 4.625%
HK$7,044
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,280/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,951
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$189/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,713
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,654/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,290
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,516
−HK$231/mo
Today · 4.125%
HK$7,747
baseline
▲ 0.50% · 4.625%
HK$8,218
+HK$471/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,494/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,110
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$221/mo
Today · 4.125%
HK$8,548
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$450/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,096/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,372
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$296/mo
Today · 4.125%
HK$9,960
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$606/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$19,920/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,427
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$284/mo
Today · 4.125%
HK$10,990
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$579/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$21,980/mo (50% DSR)
Upfront cash ≈ HK$228K (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).