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$5,244
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,407
−HK$166/mo
Today · 4.125%
HK$5,573
baseline
▲ 0.50% · 4.625%
HK$5,912
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,146/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$5,834
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,990
−HK$159/mo
Today · 4.125%
HK$6,149
baseline
▲ 0.50% · 4.625%
HK$6,473
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,298/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$6,293
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,488
−HK$199/mo
Today · 4.125%
HK$6,687
baseline
▲ 0.50% · 4.625%
HK$7,094
+HK$407/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$13,374/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,001
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$191/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$389/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$14,758/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,341
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$232/mo
Today · 4.125%
HK$7,802
baseline
▲ 0.50% · 4.625%
HK$8,277
+HK$475/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,604/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,167
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$223/mo
Today · 4.125%
HK$8,609
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$453/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,218/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,439
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,733
−HK$298/mo
Today · 4.125%
HK$10,031
baseline
▲ 0.50% · 4.625%
HK$10,641
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,062/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$10,501
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,782
−HK$286/mo
Today · 4.125%
HK$11,068
baseline
▲ 0.50% · 4.625%
HK$11,652
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,136/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).