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$5,250
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,413
−HK$166/mo
Today · 4.125%
HK$5,579
baseline
▲ 0.50% · 4.625%
HK$5,919
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,158/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$5,841
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,997
−HK$159/mo
Today · 4.125%
HK$6,156
baseline
▲ 0.50% · 4.625%
HK$6,481
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,312/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$6,300
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,496
−HK$199/mo
Today · 4.125%
HK$6,695
baseline
▲ 0.50% · 4.625%
HK$7,102
+HK$407/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$13,390/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,009
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$190/mo
Today · 4.125%
HK$7,387
baseline
▲ 0.50% · 4.625%
HK$7,777
+HK$390/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$14,774/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,350
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,579
−HK$232/mo
Today · 4.125%
HK$7,811
baseline
▲ 0.50% · 4.625%
HK$8,286
+HK$475/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,622/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,177
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,396
−HK$223/mo
Today · 4.125%
HK$8,619
baseline
▲ 0.50% · 4.625%
HK$9,073
+HK$454/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,238/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,450
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,744
−HK$299/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,654
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,086/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,513
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$286/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,665
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,162/mo (50% DSR)
Upfront cash ≈ HK$230K (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).