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$5,252
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,415
−HK$166/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,920
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,162/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$5,842
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,999
−HK$159/mo
Today · 4.125%
HK$6,158
baseline
▲ 0.50% · 4.625%
HK$6,483
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,316/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$6,302
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,498
−HK$199/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,105
+HK$408/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$13,394/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,011
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$191/mo
Today · 4.125%
HK$7,390
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$389/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$14,780/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,352
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,581
−HK$232/mo
Today · 4.125%
HK$7,813
baseline
▲ 0.50% · 4.625%
HK$8,289
+HK$476/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,626/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,179
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,399
−HK$222/mo
Today · 4.125%
HK$8,621
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$455/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,242/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,453
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,747
−HK$299/mo
Today · 4.125%
HK$10,046
baseline
▲ 0.50% · 4.625%
HK$10,657
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,092/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$10,516
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$286/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,669
+HK$585/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,168/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).