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$5,240
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,403
−HK$165/mo
Today · 4.125%
HK$5,568
baseline
▲ 0.50% · 4.625%
HK$5,907
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,136/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$5,829
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,985
−HK$159/mo
Today · 4.125%
HK$6,144
baseline
▲ 0.50% · 4.625%
HK$6,468
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,288/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$6,288
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,483
−HK$199/mo
Today · 4.125%
HK$6,682
baseline
▲ 0.50% · 4.625%
HK$7,088
+HK$406/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,364/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,995
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,182
−HK$191/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,761
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,746/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,335
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,564
−HK$231/mo
Today · 4.125%
HK$7,795
baseline
▲ 0.50% · 4.625%
HK$8,270
+HK$475/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,590/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,161
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,379
−HK$223/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,204/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,431
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$298/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,046/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,492
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$285/mo
Today · 4.125%
HK$11,059
baseline
▲ 0.50% · 4.625%
HK$11,642
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,118/mo (50% DSR)
Upfront cash ≈ HK$230K (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).