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$5,303
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$167/mo
Today · 4.125%
HK$5,635
baseline
▲ 0.50% · 4.625%
HK$5,978
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,270/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$5,899
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$161/mo
Today · 4.125%
HK$6,218
baseline
▲ 0.50% · 4.625%
HK$6,546
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,436/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$6,363
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,561
−HK$201/mo
Today · 4.125%
HK$6,762
baseline
▲ 0.50% · 4.625%
HK$7,174
+HK$412/mo
Deposit HK$930K · loan HK$1.40M · min. income ≈ HK$13,524/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,079
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$192/mo
Today · 4.125%
HK$7,461
baseline
▲ 0.50% · 4.625%
HK$7,855
+HK$394/mo
Deposit HK$930K · loan HK$1.40M · min. income ≈ HK$14,922/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,424
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$234/mo
Today · 4.125%
HK$7,889
baseline
▲ 0.50% · 4.625%
HK$8,369
+HK$480/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,778/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,259
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,480
−HK$225/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$459/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,410/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,545
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$301/mo
Today · 4.125%
HK$10,143
baseline
▲ 0.50% · 4.625%
HK$10,760
+HK$617/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,286/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,618
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,903
−HK$289/mo
Today · 4.125%
HK$11,192
baseline
▲ 0.50% · 4.625%
HK$11,782
+HK$590/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,384/mo (50% DSR)
Upfront cash ≈ HK$233K (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).