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$5,210
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,372
−HK$165/mo
Today · 4.125%
HK$5,537
baseline
▲ 0.50% · 4.625%
HK$5,874
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,074/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$5,796
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,952
−HK$157/mo
Today · 4.125%
HK$6,109
baseline
▲ 0.50% · 4.625%
HK$6,431
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,218/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$6,252
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$197/mo
Today · 4.125%
HK$6,644
baseline
▲ 0.50% · 4.625%
HK$7,048
+HK$404/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,288/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,955
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,142
−HK$189/mo
Today · 4.125%
HK$7,331
baseline
▲ 0.50% · 4.625%
HK$7,718
+HK$387/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,662/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,294
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$230/mo
Today · 4.125%
HK$7,751
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$472/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,502/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,115
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$221/mo
Today · 4.125%
HK$8,553
baseline
▲ 0.50% · 4.625%
HK$9,004
+HK$451/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,106/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,378
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$296/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$607/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$19,932/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$10,433
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,713
−HK$284/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$579/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$21,994/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).