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$5,258
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,421
−HK$167/mo
Today · 4.125%
HK$5,588
baseline
▲ 0.50% · 4.625%
HK$5,928
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,176/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$5,849
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,006
−HK$159/mo
Today · 4.125%
HK$6,165
baseline
▲ 0.50% · 4.625%
HK$6,490
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,330/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$6,309
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,506
−HK$199/mo
Today · 4.125%
HK$6,705
baseline
▲ 0.50% · 4.625%
HK$7,113
+HK$408/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$13,410/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,019
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,207
−HK$191/mo
Today · 4.125%
HK$7,398
baseline
▲ 0.50% · 4.625%
HK$7,788
+HK$390/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$14,796/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,361
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$233/mo
Today · 4.125%
HK$7,823
baseline
▲ 0.50% · 4.625%
HK$8,299
+HK$476/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$15,646/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,189
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$222/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,086
+HK$455/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$17,262/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,464
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$299/mo
Today · 4.125%
HK$10,058
baseline
▲ 0.50% · 4.625%
HK$10,670
+HK$612/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,116/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$10,529
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,811
−HK$287/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$585/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,196/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).