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$5,248
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,412
−HK$165/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,154/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$5,839
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$159/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,479
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,308/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$6,298
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,494
−HK$199/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,100
+HK$407/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$13,386/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,006
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$191/mo
Today · 4.125%
HK$7,385
baseline
▲ 0.50% · 4.625%
HK$7,774
+HK$389/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$14,770/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,348
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,576
−HK$232/mo
Today · 4.125%
HK$7,808
baseline
▲ 0.50% · 4.625%
HK$8,284
+HK$476/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,616/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,174
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,393
−HK$223/mo
Today · 4.125%
HK$8,616
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$454/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,232/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,447
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,741
−HK$298/mo
Today · 4.125%
HK$10,039
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,078/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$10,510
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$285/mo
Today · 4.125%
HK$11,077
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,154/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).