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$5,301
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,466
−HK$167/mo
Today · 4.125%
HK$5,633
baseline
▲ 0.50% · 4.625%
HK$5,976
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,266/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$5,897
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,055
−HK$161/mo
Today · 4.125%
HK$6,216
baseline
▲ 0.50% · 4.625%
HK$6,543
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,432/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$6,361
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,559
−HK$201/mo
Today · 4.125%
HK$6,760
baseline
▲ 0.50% · 4.625%
HK$7,171
+HK$411/mo
Deposit HK$930K · loan HK$1.39M · min. income ≈ HK$13,520/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,077
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,266
−HK$193/mo
Today · 4.125%
HK$7,459
baseline
▲ 0.50% · 4.625%
HK$7,852
+HK$393/mo
Deposit HK$930K · loan HK$1.39M · min. income ≈ HK$14,918/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,421
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,652
−HK$235/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,366
+HK$479/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,774/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,256
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$225/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,161
+HK$459/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,404/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,541
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$302/mo
Today · 4.125%
HK$10,140
baseline
▲ 0.50% · 4.625%
HK$10,757
+HK$617/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,280/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$10,615
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$289/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,778
+HK$590/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,376/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).