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$5,266
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,430
−HK$166/mo
Today · 4.125%
HK$5,596
baseline
▲ 0.50% · 4.625%
HK$5,937
+HK$341/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,192/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$5,858
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,015
−HK$160/mo
Today · 4.125%
HK$6,175
baseline
▲ 0.50% · 4.625%
HK$6,500
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,350/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$6,319
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,516
−HK$199/mo
Today · 4.125%
HK$6,715
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$409/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,430/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,030
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,218
−HK$192/mo
Today · 4.125%
HK$7,410
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$390/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,820/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,372
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,601
−HK$233/mo
Today · 4.125%
HK$7,834
baseline
▲ 0.50% · 4.625%
HK$8,311
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,668/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,201
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$224/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$455/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,290/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,479
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$300/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,146/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$10,545
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$286/mo
Today · 4.125%
HK$11,114
baseline
▲ 0.50% · 4.625%
HK$11,700
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,228/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).