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$5,253
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,417
−HK$166/mo
Today · 4.125%
HK$5,583
baseline
▲ 0.50% · 4.625%
HK$5,923
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,166/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$5,844
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,001
−HK$159/mo
Today · 4.125%
HK$6,160
baseline
▲ 0.50% · 4.625%
HK$6,485
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,320/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$6,304
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,500
−HK$199/mo
Today · 4.125%
HK$6,699
baseline
▲ 0.50% · 4.625%
HK$7,107
+HK$408/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$13,398/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,013
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,201
−HK$191/mo
Today · 4.125%
HK$7,392
baseline
▲ 0.50% · 4.625%
HK$7,782
+HK$390/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$14,784/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,355
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,584
−HK$232/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,292
+HK$476/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,632/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$8,182
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,402
−HK$222/mo
Today · 4.125%
HK$8,624
baseline
▲ 0.50% · 4.625%
HK$9,079
+HK$455/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,248/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$9,456
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,750
−HK$299/mo
Today · 4.125%
HK$10,049
baseline
▲ 0.50% · 4.625%
HK$10,661
+HK$612/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,098/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$10,520
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,802
−HK$286/mo
Today · 4.125%
HK$11,088
baseline
▲ 0.50% · 4.625%
HK$11,673
+HK$585/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,176/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).