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$5,294
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,459
−HK$167/mo
Today · 4.125%
HK$5,626
baseline
▲ 0.50% · 4.625%
HK$5,969
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,252/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$5,890
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,048
−HK$160/mo
Today · 4.125%
HK$6,208
baseline
▲ 0.50% · 4.625%
HK$6,535
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,416/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$6,353
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,551
−HK$201/mo
Today · 4.125%
HK$6,752
baseline
▲ 0.50% · 4.625%
HK$7,162
+HK$410/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$13,504/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,068
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,257
−HK$193/mo
Today · 4.125%
HK$7,450
baseline
▲ 0.50% · 4.625%
HK$7,842
+HK$392/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$14,900/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,412
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,643
−HK$234/mo
Today · 4.125%
HK$7,877
baseline
▲ 0.50% · 4.625%
HK$8,356
+HK$479/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,754/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,246
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,467
−HK$224/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,150
+HK$459/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,382/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,530
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$301/mo
Today · 4.125%
HK$10,127
baseline
▲ 0.50% · 4.625%
HK$10,744
+HK$617/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,254/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$10,602
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$289/mo
Today · 4.125%
HK$11,175
baseline
▲ 0.50% · 4.625%
HK$11,764
+HK$589/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,350/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).