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$5,290
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,455
−HK$167/mo
Today · 4.125%
HK$5,622
baseline
▲ 0.50% · 4.625%
HK$5,964
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,244/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$5,885
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,043
−HK$160/mo
Today · 4.125%
HK$6,203
baseline
▲ 0.50% · 4.625%
HK$6,530
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,406/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$6,348
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,546
−HK$200/mo
Today · 4.125%
HK$6,746
baseline
▲ 0.50% · 4.625%
HK$7,157
+HK$411/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$13,492/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,062
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$192/mo
Today · 4.125%
HK$7,444
baseline
▲ 0.50% · 4.625%
HK$7,836
+HK$392/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$14,888/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,406
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$234/mo
Today · 4.125%
HK$7,870
baseline
▲ 0.50% · 4.625%
HK$8,349
+HK$479/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$15,740/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,239
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$224/mo
Today · 4.125%
HK$8,684
baseline
▲ 0.50% · 4.625%
HK$9,142
+HK$458/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$17,368/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,522
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,818
−HK$301/mo
Today · 4.125%
HK$10,119
baseline
▲ 0.50% · 4.625%
HK$10,735
+HK$616/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,238/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,593
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$289/mo
Today · 4.125%
HK$11,166
baseline
▲ 0.50% · 4.625%
HK$11,754
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,332/mo (50% DSR)
Upfront cash ≈ HK$232K (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).