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$5,192
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,353
−HK$164/mo
Today · 4.125%
HK$5,517
baseline
▲ 0.50% · 4.625%
HK$5,853
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,034/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$5,776
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,931
−HK$157/mo
Today · 4.125%
HK$6,088
baseline
▲ 0.50% · 4.625%
HK$6,409
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,176/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$6,230
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,424
−HK$197/mo
Today · 4.125%
HK$6,621
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$403/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$13,242/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,931
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,117
−HK$189/mo
Today · 4.125%
HK$7,306
baseline
▲ 0.50% · 4.625%
HK$7,691
+HK$385/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$14,612/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,269
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$229/mo
Today · 4.125%
HK$7,724
baseline
▲ 0.50% · 4.625%
HK$8,194
+HK$470/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,448/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,086
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$220/mo
Today · 4.125%
HK$8,523
baseline
▲ 0.50% · 4.625%
HK$8,972
+HK$449/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,046/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,345
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$295/mo
Today · 4.125%
HK$9,931
baseline
▲ 0.50% · 4.625%
HK$10,536
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,862/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,397
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,676
−HK$282/mo
Today · 4.125%
HK$10,958
baseline
▲ 0.50% · 4.625%
HK$11,536
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,916/mo (50% DSR)
Upfront cash ≈ HK$228K (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).