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$5,161
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,321
−HK$163/mo
Today · 4.125%
HK$5,484
baseline
▲ 0.50% · 4.625%
HK$5,818
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,968/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,741
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,895
−HK$157/mo
Today · 4.125%
HK$6,052
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,104/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,193
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$195/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,982
+HK$401/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$13,162/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,890
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$188/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$383/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$14,524/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,225
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,450
−HK$228/mo
Today · 4.125%
HK$7,678
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$467/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$15,356/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,038
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,253
−HK$219/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,919
+HK$447/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$16,944/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,289
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$294/mo
Today · 4.125%
HK$9,872
baseline
▲ 0.50% · 4.625%
HK$10,473
+HK$601/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,744/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,334
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$281/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,786/mo (50% DSR)
Upfront cash ≈ HK$226K (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).