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$5,267
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,431
−HK$166/mo
Today · 4.125%
HK$5,597
baseline
▲ 0.50% · 4.625%
HK$5,938
+HK$341/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,194/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$5,859
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,016
−HK$160/mo
Today · 4.125%
HK$6,176
baseline
▲ 0.50% · 4.625%
HK$6,501
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,352/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$6,320
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,517
−HK$200/mo
Today · 4.125%
HK$6,717
baseline
▲ 0.50% · 4.625%
HK$7,125
+HK$408/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,434/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,031
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,220
−HK$191/mo
Today · 4.125%
HK$7,411
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,822/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,374
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,603
−HK$233/mo
Today · 4.125%
HK$7,836
baseline
▲ 0.50% · 4.625%
HK$8,313
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,672/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,203
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,423
−HK$223/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,292/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,480
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,775
−HK$300/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,688
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,150/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,547
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,830
−HK$287/mo
Today · 4.125%
HK$11,117
baseline
▲ 0.50% · 4.625%
HK$11,702
+HK$585/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,234/mo (50% DSR)
Upfront cash ≈ HK$231K (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).