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$5,303
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$168/mo
Today · 4.125%
HK$5,636
baseline
▲ 0.50% · 4.625%
HK$5,979
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,272/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$5,900
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,058
−HK$161/mo
Today · 4.125%
HK$6,219
baseline
▲ 0.50% · 4.625%
HK$6,547
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,438/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$6,364
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,562
−HK$201/mo
Today · 4.125%
HK$6,763
baseline
▲ 0.50% · 4.625%
HK$7,175
+HK$412/mo
Deposit HK$930K · loan HK$1.40M · min. income ≈ HK$13,526/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,080
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,270
−HK$193/mo
Today · 4.125%
HK$7,463
baseline
▲ 0.50% · 4.625%
HK$7,856
+HK$393/mo
Deposit HK$930K · loan HK$1.40M · min. income ≈ HK$14,926/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,425
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,656
−HK$234/mo
Today · 4.125%
HK$7,890
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$481/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,780/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,260
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$224/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,165
+HK$459/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,412/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,546
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,843
−HK$302/mo
Today · 4.125%
HK$10,145
baseline
▲ 0.50% · 4.625%
HK$10,762
+HK$617/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,290/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,620
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$289/mo
Today · 4.125%
HK$11,194
baseline
▲ 0.50% · 4.625%
HK$11,784
+HK$590/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,388/mo (50% DSR)
Upfront cash ≈ HK$233K (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).