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$5,246
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,409
−HK$166/mo
Today · 4.125%
HK$5,575
baseline
▲ 0.50% · 4.625%
HK$5,914
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,150/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$5,836
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,993
−HK$158/mo
Today · 4.125%
HK$6,151
baseline
▲ 0.50% · 4.625%
HK$6,476
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,302/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$6,295
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,491
−HK$199/mo
Today · 4.125%
HK$6,690
baseline
▲ 0.50% · 4.625%
HK$7,097
+HK$407/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$13,380/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,003
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,191
−HK$191/mo
Today · 4.125%
HK$7,382
baseline
▲ 0.50% · 4.625%
HK$7,771
+HK$389/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$14,764/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,344
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$232/mo
Today · 4.125%
HK$7,805
baseline
▲ 0.50% · 4.625%
HK$8,280
+HK$475/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,610/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,171
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$222/mo
Today · 4.125%
HK$8,612
baseline
▲ 0.50% · 4.625%
HK$9,066
+HK$454/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,224/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,443
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$298/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,646
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,070/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$10,505
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,787
−HK$286/mo
Today · 4.125%
HK$11,073
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,146/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).