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$5,155
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,316
−HK$162/mo
Today · 4.125%
HK$5,478
baseline
▲ 0.50% · 4.625%
HK$5,812
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,956/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$5,735
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,889
−HK$156/mo
Today · 4.125%
HK$6,045
baseline
▲ 0.50% · 4.625%
HK$6,364
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,090/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$6,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,379
−HK$195/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$400/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$13,148/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,882
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$187/mo
Today · 4.125%
HK$7,254
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$382/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$14,508/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,217
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,442
−HK$228/mo
Today · 4.125%
HK$7,670
baseline
▲ 0.50% · 4.625%
HK$8,136
+HK$466/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$15,340/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,029
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$219/mo
Today · 4.125%
HK$8,463
baseline
▲ 0.50% · 4.625%
HK$8,909
+HK$446/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$16,926/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,279
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,568
−HK$293/mo
Today · 4.125%
HK$9,861
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$600/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,722/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$10,323
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$281/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,454
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,762/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).