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$5,186
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,347
−HK$164/mo
Today · 4.125%
HK$5,511
baseline
▲ 0.50% · 4.625%
HK$5,847
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,022/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,770
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,924
−HK$157/mo
Today · 4.125%
HK$6,081
baseline
▲ 0.50% · 4.625%
HK$6,402
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,162/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,223
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,417
−HK$197/mo
Today · 4.125%
HK$6,614
baseline
▲ 0.50% · 4.625%
HK$7,016
+HK$402/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$13,228/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,923
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,109
−HK$188/mo
Today · 4.125%
HK$7,297
baseline
▲ 0.50% · 4.625%
HK$7,682
+HK$385/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$14,594/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,261
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,486
−HK$230/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,185
+HK$469/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,432/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,077
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$220/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$8,963
+HK$449/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,028/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,335
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$295/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$604/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,840/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,385
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,664
−HK$282/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,523
+HK$577/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,892/mo (50% DSR)
Upfront cash ≈ HK$228K (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).