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$5,231
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,394
−HK$165/mo
Today · 4.125%
HK$5,559
baseline
▲ 0.50% · 4.625%
HK$5,897
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,118/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$5,820
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,976
−HK$158/mo
Today · 4.125%
HK$6,134
baseline
▲ 0.50% · 4.625%
HK$6,457
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,268/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$6,277
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,473
−HK$198/mo
Today · 4.125%
HK$6,671
baseline
▲ 0.50% · 4.625%
HK$7,077
+HK$406/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$13,342/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,984
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$190/mo
Today · 4.125%
HK$7,361
baseline
▲ 0.50% · 4.625%
HK$7,749
+HK$388/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$14,722/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,324
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,551
−HK$232/mo
Today · 4.125%
HK$7,783
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$473/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,566/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$8,147
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$222/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,040
+HK$452/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,176/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$9,416
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,709
−HK$298/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$608/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,014/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$10,475
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$285/mo
Today · 4.125%
HK$11,041
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,082/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).