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$5,308
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,473
−HK$168/mo
Today · 4.125%
HK$5,641
baseline
▲ 0.50% · 4.625%
HK$5,984
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,282/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$5,905
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,063
−HK$161/mo
Today · 4.125%
HK$6,224
baseline
▲ 0.50% · 4.625%
HK$6,552
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,448/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$6,369
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,567
−HK$202/mo
Today · 4.125%
HK$6,769
baseline
▲ 0.50% · 4.625%
HK$7,181
+HK$412/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,538/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,086
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,276
−HK$193/mo
Today · 4.125%
HK$7,469
baseline
▲ 0.50% · 4.625%
HK$7,862
+HK$393/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,938/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,431
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,662
−HK$235/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$480/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,794/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,267
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$224/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$460/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,426/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,554
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$302/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$618/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,306/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,629
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$289/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$591/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,406/mo (50% DSR)
Upfront cash ≈ HK$233K (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).