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$5,302
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,467
−HK$167/mo
Today · 4.125%
HK$5,634
baseline
▲ 0.50% · 4.625%
HK$5,977
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,268/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,898
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$160/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,545
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,434/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,362
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,560
−HK$201/mo
Today · 4.125%
HK$6,761
baseline
▲ 0.50% · 4.625%
HK$7,173
+HK$412/mo
Deposit HK$930K · loan HK$1.40M · min. income ≈ HK$13,522/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,078
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,268
−HK$192/mo
Today · 4.125%
HK$7,460
baseline
▲ 0.50% · 4.625%
HK$7,854
+HK$394/mo
Deposit HK$930K · loan HK$1.40M · min. income ≈ HK$14,920/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,423
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$234/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,368
+HK$480/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,776/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,258
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$225/mo
Today · 4.125%
HK$8,704
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$459/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,408/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,543
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$302/mo
Today · 4.125%
HK$10,142
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$617/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,284/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,617
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,902
−HK$289/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$589/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,382/mo (50% DSR)
Upfront cash ≈ HK$233K (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).