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$5,253
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,416
−HK$166/mo
Today · 4.125%
HK$5,582
baseline
▲ 0.50% · 4.625%
HK$5,922
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,164/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$5,843
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,000
−HK$159/mo
Today · 4.125%
HK$6,159
baseline
▲ 0.50% · 4.625%
HK$6,484
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,318/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$6,303
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,499
−HK$199/mo
Today · 4.125%
HK$6,698
baseline
▲ 0.50% · 4.625%
HK$7,106
+HK$408/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$13,396/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,012
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$191/mo
Today · 4.125%
HK$7,391
baseline
▲ 0.50% · 4.625%
HK$7,781
+HK$390/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$14,782/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,354
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,582
−HK$233/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,290
+HK$475/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,630/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,181
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$223/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$454/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,246/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,455
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,749
−HK$299/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,096/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$10,518
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$287/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,174/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).