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$5,259
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,423
−HK$166/mo
Today · 4.125%
HK$5,589
baseline
▲ 0.50% · 4.625%
HK$5,929
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,178/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$5,851
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,008
−HK$159/mo
Today · 4.125%
HK$6,167
baseline
▲ 0.50% · 4.625%
HK$6,492
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,334/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$6,311
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$200/mo
Today · 4.125%
HK$6,707
baseline
▲ 0.50% · 4.625%
HK$7,115
+HK$408/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$13,414/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,021
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,209
−HK$191/mo
Today · 4.125%
HK$7,400
baseline
▲ 0.50% · 4.625%
HK$7,790
+HK$390/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$14,800/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,363
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$232/mo
Today · 4.125%
HK$7,824
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$477/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$15,648/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,191
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$222/mo
Today · 4.125%
HK$8,633
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$456/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$17,266/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,466
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$299/mo
Today · 4.125%
HK$10,060
baseline
▲ 0.50% · 4.625%
HK$10,672
+HK$612/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,120/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,531
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$286/mo
Today · 4.125%
HK$11,100
baseline
▲ 0.50% · 4.625%
HK$11,685
+HK$585/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,200/mo (50% DSR)
Upfront cash ≈ HK$231K (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).