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$5,228
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,391
−HK$165/mo
Today · 4.125%
HK$5,556
baseline
▲ 0.50% · 4.625%
HK$5,894
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,112/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$5,817
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$158/mo
Today · 4.125%
HK$6,131
baseline
▲ 0.50% · 4.625%
HK$6,454
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,262/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$6,274
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,469
−HK$199/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,073
+HK$405/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$13,336/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,980
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$190/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$388/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$14,714/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,320
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,547
−HK$232/mo
Today · 4.125%
HK$7,779
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$473/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,558/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,143
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,362
−HK$221/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,036
+HK$453/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,166/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,411
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,704
−HK$297/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,610
+HK$609/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,002/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,470
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,751
−HK$284/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$229K (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).