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$5,165
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,326
−HK$163/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,823
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,978/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,746
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,900
−HK$157/mo
Today · 4.125%
HK$6,057
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,114/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,198
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,391
−HK$196/mo
Today · 4.125%
HK$6,587
baseline
▲ 0.50% · 4.625%
HK$6,988
+HK$401/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$13,174/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,895
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$188/mo
Today · 4.125%
HK$7,268
baseline
▲ 0.50% · 4.625%
HK$7,651
+HK$383/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$14,536/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,231
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$229/mo
Today · 4.125%
HK$7,685
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$467/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$15,370/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,045
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,260
−HK$219/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$447/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$16,958/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,297
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$293/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,760/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$10,343
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$281/mo
Today · 4.125%
HK$10,902
baseline
▲ 0.50% · 4.625%
HK$11,477
+HK$575/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,804/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).