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$5,245
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,408
−HK$166/mo
Today · 4.125%
HK$5,574
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,148/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$5,835
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,992
−HK$158/mo
Today · 4.125%
HK$6,150
baseline
▲ 0.50% · 4.625%
HK$6,475
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,300/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$6,294
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,490
−HK$199/mo
Today · 4.125%
HK$6,689
baseline
▲ 0.50% · 4.625%
HK$7,096
+HK$407/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$13,378/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,002
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,190
−HK$191/mo
Today · 4.125%
HK$7,381
baseline
▲ 0.50% · 4.625%
HK$7,770
+HK$389/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$14,762/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,343
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,572
−HK$232/mo
Today · 4.125%
HK$7,804
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$475/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,608/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,169
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,388
−HK$223/mo
Today · 4.125%
HK$8,611
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$454/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,222/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,441
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,735
−HK$298/mo
Today · 4.125%
HK$10,033
baseline
▲ 0.50% · 4.625%
HK$10,644
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,066/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,503
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$286/mo
Today · 4.125%
HK$11,071
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,142/mo (50% DSR)
Upfront cash ≈ HK$230K (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).