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$5,280
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,444
−HK$167/mo
Today · 4.125%
HK$5,611
baseline
▲ 0.50% · 4.625%
HK$5,953
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,222/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$5,874
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,031
−HK$160/mo
Today · 4.125%
HK$6,191
baseline
▲ 0.50% · 4.625%
HK$6,518
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,382/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$6,336
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$200/mo
Today · 4.125%
HK$6,733
baseline
▲ 0.50% · 4.625%
HK$7,143
+HK$410/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$13,466/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,049
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$192/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,821
+HK$391/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$14,860/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,392
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,622
−HK$234/mo
Today · 4.125%
HK$7,856
baseline
▲ 0.50% · 4.625%
HK$8,334
+HK$478/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$15,712/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$8,224
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$224/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,125
+HK$457/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$17,336/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$9,504
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,800
−HK$300/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,715
+HK$615/mo
Deposit HK$232K · loan HK$2.08M · min. income ≈ HK$20,200/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$10,573
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$287/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,732
+HK$588/mo
Deposit HK$232K · loan HK$2.08M · min. income ≈ HK$22,288/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).