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$5,142
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,302
−HK$162/mo
Today · 4.125%
HK$5,464
baseline
▲ 0.50% · 4.625%
HK$5,797
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,928/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,720
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,874
−HK$156/mo
Today · 4.125%
HK$6,030
baseline
▲ 0.50% · 4.625%
HK$6,347
+HK$317/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,060/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,170
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,362
−HK$195/mo
Today · 4.125%
HK$6,557
baseline
▲ 0.50% · 4.625%
HK$6,956
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,114/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,865
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,049
−HK$186/mo
Today · 4.125%
HK$7,235
baseline
▲ 0.50% · 4.625%
HK$7,617
+HK$382/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,470/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,199
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,423
−HK$227/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,116
+HK$466/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$15,300/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,009
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$218/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$445/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$16,882/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,256
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$292/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$599/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,672/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,297
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$280/mo
Today · 4.125%
HK$10,853
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$572/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,706/mo (50% DSR)
Upfront cash ≈ HK$226K (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).