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$5,283
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,447
−HK$167/mo
Today · 4.125%
HK$5,614
baseline
▲ 0.50% · 4.625%
HK$5,956
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,228/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,877
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,035
−HK$160/mo
Today · 4.125%
HK$6,195
baseline
▲ 0.50% · 4.625%
HK$6,521
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,390/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,339
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,537
−HK$200/mo
Today · 4.125%
HK$6,737
baseline
▲ 0.50% · 4.625%
HK$7,147
+HK$410/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$13,474/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,053
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,242
−HK$192/mo
Today · 4.125%
HK$7,434
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$391/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$14,868/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,396
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,626
−HK$234/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,338
+HK$478/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$15,720/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,228
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$223/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$458/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$17,344/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,509
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$300/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$615/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,210/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,579
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,863
−HK$287/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,300/mo (50% DSR)
Upfront cash ≈ HK$232K (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).