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$5,289
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,453
−HK$167/mo
Today · 4.125%
HK$5,620
baseline
▲ 0.50% · 4.625%
HK$5,962
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,240/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$5,884
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$160/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,528
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,404/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$6,347
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,544
−HK$201/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,155
+HK$410/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$13,490/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,060
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,250
−HK$192/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,834
+HK$392/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$14,884/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,404
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,635
−HK$234/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,347
+HK$478/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$15,738/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,237
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,458
−HK$224/mo
Today · 4.125%
HK$8,682
baseline
▲ 0.50% · 4.625%
HK$9,140
+HK$458/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$17,364/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,520
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$301/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,732
+HK$615/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,234/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$10,591
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,875
−HK$288/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,326/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).