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$5,176
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,337
−HK$164/mo
Today · 4.125%
HK$5,501
baseline
▲ 0.50% · 4.625%
HK$5,835
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$11,002/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$5,758
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,913
−HK$157/mo
Today · 4.125%
HK$6,070
baseline
▲ 0.50% · 4.625%
HK$6,389
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,140/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$6,211
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,405
−HK$196/mo
Today · 4.125%
HK$6,601
baseline
▲ 0.50% · 4.625%
HK$7,003
+HK$402/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$13,202/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,910
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,095
−HK$188/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,667
+HK$384/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$14,566/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,247
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,472
−HK$229/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$469/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,402/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,062
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$219/mo
Today · 4.125%
HK$8,497
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$16,994/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,317
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,607
−HK$294/mo
Today · 4.125%
HK$9,901
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$603/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,802/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,365
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$282/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,501
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,850/mo (50% DSR)
Upfront cash ≈ HK$227K (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).