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$5,185
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,346
−HK$164/mo
Today · 4.125%
HK$5,510
baseline
▲ 0.50% · 4.625%
HK$5,845
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,020/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$5,768
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,923
−HK$157/mo
Today · 4.125%
HK$6,080
baseline
▲ 0.50% · 4.625%
HK$6,400
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,160/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$6,222
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,416
−HK$196/mo
Today · 4.125%
HK$6,612
baseline
▲ 0.50% · 4.625%
HK$7,015
+HK$403/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$13,224/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,922
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,108
−HK$188/mo
Today · 4.125%
HK$7,296
baseline
▲ 0.50% · 4.625%
HK$7,680
+HK$384/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$14,592/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,259
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,485
−HK$229/mo
Today · 4.125%
HK$7,714
baseline
▲ 0.50% · 4.625%
HK$8,184
+HK$470/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,428/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,076
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,292
−HK$220/mo
Today · 4.125%
HK$8,512
baseline
▲ 0.50% · 4.625%
HK$8,961
+HK$449/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,024/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,333
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,623
−HK$295/mo
Today · 4.125%
HK$9,918
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$604/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,836/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,383
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,661
−HK$283/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$577/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,888/mo (50% DSR)
Upfront cash ≈ HK$227K (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).