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$5,292
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,457
−HK$167/mo
Today · 4.125%
HK$5,624
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,248/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$5,888
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,046
−HK$160/mo
Today · 4.125%
HK$6,206
baseline
▲ 0.50% · 4.625%
HK$6,533
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,412/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$6,351
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,548
−HK$201/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,160
+HK$411/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$13,498/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,065
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$192/mo
Today · 4.125%
HK$7,447
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$392/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$14,894/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,409
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,640
−HK$234/mo
Today · 4.125%
HK$7,874
baseline
▲ 0.50% · 4.625%
HK$8,353
+HK$479/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$15,748/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,243
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,464
−HK$224/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,146
+HK$458/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$17,376/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,526
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,822
−HK$301/mo
Today · 4.125%
HK$10,123
baseline
▲ 0.50% · 4.625%
HK$10,739
+HK$616/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,246/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,598
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,882
−HK$288/mo
Today · 4.125%
HK$11,170
baseline
▲ 0.50% · 4.625%
HK$11,759
+HK$589/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,340/mo (50% DSR)
Upfront cash ≈ HK$232K (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).