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$5,286
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,450
−HK$167/mo
Today · 4.125%
HK$5,617
baseline
▲ 0.50% · 4.625%
HK$5,959
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,234/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$5,880
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,038
−HK$160/mo
Today · 4.125%
HK$6,198
baseline
▲ 0.50% · 4.625%
HK$6,524
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,396/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$6,343
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$200/mo
Today · 4.125%
HK$6,740
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$411/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$13,480/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,056
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$192/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,829
+HK$392/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$14,874/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,400
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$234/mo
Today · 4.125%
HK$7,864
baseline
▲ 0.50% · 4.625%
HK$8,342
+HK$478/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$15,728/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,232
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,453
−HK$224/mo
Today · 4.125%
HK$8,677
baseline
▲ 0.50% · 4.625%
HK$9,134
+HK$457/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$17,354/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,514
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$301/mo
Today · 4.125%
HK$10,111
baseline
▲ 0.50% · 4.625%
HK$10,726
+HK$615/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,222/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,584
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,868
−HK$288/mo
Today · 4.125%
HK$11,156
baseline
▲ 0.50% · 4.625%
HK$11,744
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,312/mo (50% DSR)
Upfront cash ≈ HK$232K (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).