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$5,238
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,401
−HK$166/mo
Today · 4.125%
HK$5,567
baseline
▲ 0.50% · 4.625%
HK$5,905
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,134/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$5,827
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,984
−HK$158/mo
Today · 4.125%
HK$6,142
baseline
▲ 0.50% · 4.625%
HK$6,466
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,284/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$6,286
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,481
−HK$199/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$406/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,360/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,993
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,180
−HK$191/mo
Today · 4.125%
HK$7,371
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,742/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,333
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,562
−HK$231/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,268
+HK$475/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,586/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,158
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,377
−HK$222/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,052
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,198/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,429
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,722
−HK$298/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,630
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,040/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$10,489
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$285/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,639
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,112/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).