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$5,144
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,304
−HK$163/mo
Today · 4.125%
HK$5,467
baseline
▲ 0.50% · 4.625%
HK$5,799
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,934/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,723
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,876
−HK$156/mo
Today · 4.125%
HK$6,032
baseline
▲ 0.50% · 4.625%
HK$6,350
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,064/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,173
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,365
−HK$195/mo
Today · 4.125%
HK$6,560
baseline
▲ 0.50% · 4.625%
HK$6,959
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,120/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,867
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$187/mo
Today · 4.125%
HK$7,238
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$382/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,476/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,202
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,426
−HK$227/mo
Today · 4.125%
HK$7,653
baseline
▲ 0.50% · 4.625%
HK$8,119
+HK$466/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$15,306/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,012
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$218/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,890
+HK$445/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$16,890/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,259
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$293/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,439
+HK$599/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,680/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,301
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,577
−HK$280/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,430
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,714/mo (50% DSR)
Upfront cash ≈ HK$226K (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).