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$5,206
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,368
−HK$165/mo
Today · 4.125%
HK$5,533
baseline
▲ 0.50% · 4.625%
HK$5,869
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,066/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,792
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,947
−HK$158/mo
Today · 4.125%
HK$6,105
baseline
▲ 0.50% · 4.625%
HK$6,427
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,210/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,247
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,442
−HK$197/mo
Today · 4.125%
HK$6,639
baseline
▲ 0.50% · 4.625%
HK$7,043
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,278/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,950
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,137
−HK$189/mo
Today · 4.125%
HK$7,326
baseline
▲ 0.50% · 4.625%
HK$7,712
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,652/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,289
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,515
−HK$231/mo
Today · 4.125%
HK$7,746
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$471/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,492/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,109
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,326
−HK$221/mo
Today · 4.125%
HK$8,547
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$450/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,094/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,371
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$296/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,565
+HK$606/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,918/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,425
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$284/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,978/mo (50% DSR)
Upfront cash ≈ HK$228K (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).