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$5,195
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,356
−HK$164/mo
Today · 4.125%
HK$5,520
baseline
▲ 0.50% · 4.625%
HK$5,856
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,040/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$5,779
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,934
−HK$157/mo
Today · 4.125%
HK$6,091
baseline
▲ 0.50% · 4.625%
HK$6,412
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,182/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$6,233
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,427
−HK$197/mo
Today · 4.125%
HK$6,624
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$403/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$13,248/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,935
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,121
−HK$188/mo
Today · 4.125%
HK$7,309
baseline
▲ 0.50% · 4.625%
HK$7,695
+HK$386/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$14,618/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,272
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$229/mo
Today · 4.125%
HK$7,728
baseline
▲ 0.50% · 4.625%
HK$8,199
+HK$471/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,456/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,090
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,307
−HK$221/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$8,977
+HK$449/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,056/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,350
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,641
−HK$295/mo
Today · 4.125%
HK$9,936
baseline
▲ 0.50% · 4.625%
HK$10,541
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,872/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$10,402
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,681
−HK$283/mo
Today · 4.125%
HK$10,964
baseline
▲ 0.50% · 4.625%
HK$11,542
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,928/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).