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$5,289
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,454
−HK$167/mo
Today · 4.125%
HK$5,621
baseline
▲ 0.50% · 4.625%
HK$5,963
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,242/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$5,884
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$160/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,529
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,404/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$6,347
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,545
−HK$200/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,156
+HK$411/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$13,490/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$7,061
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,251
−HK$192/mo
Today · 4.125%
HK$7,443
baseline
▲ 0.50% · 4.625%
HK$7,835
+HK$392/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$14,886/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$7,405
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,635
−HK$234/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,348
+HK$479/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$15,738/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$8,238
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,459
−HK$224/mo
Today · 4.125%
HK$8,683
baseline
▲ 0.50% · 4.625%
HK$9,141
+HK$458/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$17,366/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$9,521
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$301/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$616/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,236/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$10,592
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$288/mo
Today · 4.125%
HK$11,164
baseline
▲ 0.50% · 4.625%
HK$11,753
+HK$589/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,328/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).