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$5,225
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,388
−HK$165/mo
Today · 4.125%
HK$5,553
baseline
▲ 0.50% · 4.625%
HK$5,891
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,106/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$5,813
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,969
−HK$158/mo
Today · 4.125%
HK$6,127
baseline
▲ 0.50% · 4.625%
HK$6,450
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,254/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$6,270
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,466
−HK$198/mo
Today · 4.125%
HK$6,664
baseline
▲ 0.50% · 4.625%
HK$7,069
+HK$405/mo
Deposit HK$917K · loan HK$1.37M · min. income ≈ HK$13,328/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,976
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,163
−HK$190/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,740
+HK$387/mo
Deposit HK$917K · loan HK$1.37M · min. income ≈ HK$14,706/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,316
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,543
−HK$231/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,247
+HK$473/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$15,548/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,138
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,357
−HK$221/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$452/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$17,156/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,406
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,698
−HK$298/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$608/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,992/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,464
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,744
−HK$285/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,610
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,058/mo (50% DSR)
Upfront cash ≈ HK$229K (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).