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$5,272
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$167/mo
Today · 4.125%
HK$5,603
baseline
▲ 0.50% · 4.625%
HK$5,944
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,206/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$5,865
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,023
−HK$159/mo
Today · 4.125%
HK$6,182
baseline
▲ 0.50% · 4.625%
HK$6,508
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,364/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$6,327
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,524
−HK$200/mo
Today · 4.125%
HK$6,724
baseline
▲ 0.50% · 4.625%
HK$7,133
+HK$409/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$13,448/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,038
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,227
−HK$192/mo
Today · 4.125%
HK$7,419
baseline
▲ 0.50% · 4.625%
HK$7,810
+HK$391/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$14,838/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,381
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,611
−HK$233/mo
Today · 4.125%
HK$7,844
baseline
▲ 0.50% · 4.625%
HK$8,321
+HK$477/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,688/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,212
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,432
−HK$223/mo
Today · 4.125%
HK$8,655
baseline
▲ 0.50% · 4.625%
HK$9,111
+HK$456/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,310/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,490
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,785
−HK$300/mo
Today · 4.125%
HK$10,085
baseline
▲ 0.50% · 4.625%
HK$10,699
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,170/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,558
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,841
−HK$287/mo
Today · 4.125%
HK$11,128
baseline
▲ 0.50% · 4.625%
HK$11,715
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,256/mo (50% DSR)
Upfront cash ≈ HK$231K (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).