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$5,160
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,321
−HK$163/mo
Today · 4.125%
HK$5,484
baseline
▲ 0.50% · 4.625%
HK$5,817
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,968/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,741
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,895
−HK$156/mo
Today · 4.125%
HK$6,051
baseline
▲ 0.50% · 4.625%
HK$6,370
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,102/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,192
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,385
−HK$196/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$400/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$13,162/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,889
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$187/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,644
+HK$383/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$14,522/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,224
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$228/mo
Today · 4.125%
HK$7,677
baseline
▲ 0.50% · 4.625%
HK$8,144
+HK$467/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$15,354/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,037
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$219/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$447/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$16,942/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,288
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$294/mo
Today · 4.125%
HK$9,871
baseline
▲ 0.50% · 4.625%
HK$10,471
+HK$600/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,742/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,333
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,610
−HK$281/mo
Today · 4.125%
HK$10,891
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$575/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,782/mo (50% DSR)
Upfront cash ≈ HK$226K (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).