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$5,264
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,428
−HK$166/mo
Today · 4.125%
HK$5,594
baseline
▲ 0.50% · 4.625%
HK$5,934
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,188/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$5,856
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,013
−HK$159/mo
Today · 4.125%
HK$6,172
baseline
▲ 0.50% · 4.625%
HK$6,498
+HK$326/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,344/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$6,317
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$200/mo
Today · 4.125%
HK$6,713
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$408/mo
Deposit HK$923K · loan HK$1.39M · min. income ≈ HK$13,426/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,027
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$191/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$390/mo
Deposit HK$923K · loan HK$1.39M · min. income ≈ HK$14,814/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,370
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$233/mo
Today · 4.125%
HK$7,832
baseline
▲ 0.50% · 4.625%
HK$8,308
+HK$476/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,664/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,199
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$223/mo
Today · 4.125%
HK$8,641
baseline
▲ 0.50% · 4.625%
HK$9,097
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,282/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,475
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,770
−HK$299/mo
Today · 4.125%
HK$10,069
baseline
▲ 0.50% · 4.625%
HK$10,682
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,138/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,541
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,824
−HK$286/mo
Today · 4.125%
HK$11,110
baseline
▲ 0.50% · 4.625%
HK$11,696
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,220/mo (50% DSR)
Upfront cash ≈ HK$231K (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).