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$5,213
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,375
−HK$165/mo
Today · 4.125%
HK$5,540
baseline
▲ 0.50% · 4.625%
HK$5,877
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,080/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,800
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,955
−HK$158/mo
Today · 4.125%
HK$6,113
baseline
▲ 0.50% · 4.625%
HK$6,435
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,226/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,256
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,450
−HK$198/mo
Today · 4.125%
HK$6,648
baseline
▲ 0.50% · 4.625%
HK$7,053
+HK$405/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,296/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,960
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,146
−HK$190/mo
Today · 4.125%
HK$7,336
baseline
▲ 0.50% · 4.625%
HK$7,722
+HK$386/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,672/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,298
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,525
−HK$231/mo
Today · 4.125%
HK$7,756
baseline
▲ 0.50% · 4.625%
HK$8,228
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,512/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,119
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$221/mo
Today · 4.125%
HK$8,558
baseline
▲ 0.50% · 4.625%
HK$9,009
+HK$451/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,116/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,384
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,676
−HK$296/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,944/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,439
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$284/mo
Today · 4.125%
HK$11,003
baseline
▲ 0.50% · 4.625%
HK$11,583
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,006/mo (50% DSR)
Upfront cash ≈ HK$229K (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).