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$5,183
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,345
−HK$163/mo
Today · 4.125%
HK$5,508
baseline
▲ 0.50% · 4.625%
HK$5,844
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,016/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$5,766
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,921
−HK$157/mo
Today · 4.125%
HK$6,078
baseline
▲ 0.50% · 4.625%
HK$6,398
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,156/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$6,220
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,414
−HK$196/mo
Today · 4.125%
HK$6,610
baseline
▲ 0.50% · 4.625%
HK$7,012
+HK$402/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$13,220/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,920
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,105
−HK$189/mo
Today · 4.125%
HK$7,294
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$384/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$14,588/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,257
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,482
−HK$230/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,181
+HK$469/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,424/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,073
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,290
−HK$219/mo
Today · 4.125%
HK$8,509
baseline
▲ 0.50% · 4.625%
HK$8,958
+HK$449/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,018/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,330
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,620
−HK$295/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,518
+HK$603/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,830/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,380
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$282/mo
Today · 4.125%
HK$10,940
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$577/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,880/mo (50% DSR)
Upfront cash ≈ HK$227K (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).