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$5,284
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,449
−HK$167/mo
Today · 4.125%
HK$5,616
baseline
▲ 0.50% · 4.625%
HK$5,958
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,232/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$5,879
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,037
−HK$160/mo
Today · 4.125%
HK$6,197
baseline
▲ 0.50% · 4.625%
HK$6,523
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,394/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$6,341
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,539
−HK$200/mo
Today · 4.125%
HK$6,739
baseline
▲ 0.50% · 4.625%
HK$7,149
+HK$410/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$13,478/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,055
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$192/mo
Today · 4.125%
HK$7,436
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$392/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$14,872/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,398
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,628
−HK$234/mo
Today · 4.125%
HK$7,862
baseline
▲ 0.50% · 4.625%
HK$8,341
+HK$479/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$15,724/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,231
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,451
−HK$224/mo
Today · 4.125%
HK$8,675
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$457/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$17,350/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,512
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,808
−HK$301/mo
Today · 4.125%
HK$10,109
baseline
▲ 0.50% · 4.625%
HK$10,724
+HK$615/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,218/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,582
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,866
−HK$288/mo
Today · 4.125%
HK$11,154
baseline
▲ 0.50% · 4.625%
HK$11,742
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,308/mo (50% DSR)
Upfront cash ≈ HK$232K (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).