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$5,206
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,368
−HK$164/mo
Today · 4.125%
HK$5,532
baseline
▲ 0.50% · 4.625%
HK$5,869
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,064/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$5,791
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,947
−HK$157/mo
Today · 4.125%
HK$6,104
baseline
▲ 0.50% · 4.625%
HK$6,426
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,208/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$6,247
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$198/mo
Today · 4.125%
HK$6,639
baseline
▲ 0.50% · 4.625%
HK$7,043
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,278/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,950
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$189/mo
Today · 4.125%
HK$7,325
baseline
▲ 0.50% · 4.625%
HK$7,711
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,650/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,288
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,515
−HK$230/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$472/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,490/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,108
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,326
−HK$220/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$451/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,092/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,371
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$296/mo
Today · 4.125%
HK$9,958
baseline
▲ 0.50% · 4.625%
HK$10,564
+HK$606/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,916/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,425
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,704
−HK$284/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,567
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,976/mo (50% DSR)
Upfront cash ≈ HK$228K (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).