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$5,240
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,403
−HK$166/mo
Today · 4.125%
HK$5,569
baseline
▲ 0.50% · 4.625%
HK$5,908
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,138/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$5,830
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,986
−HK$159/mo
Today · 4.125%
HK$6,145
baseline
▲ 0.50% · 4.625%
HK$6,469
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,290/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$6,288
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,484
−HK$199/mo
Today · 4.125%
HK$6,683
baseline
▲ 0.50% · 4.625%
HK$7,089
+HK$406/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,366/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,996
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,183
−HK$191/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,762
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,748/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,336
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,565
−HK$231/mo
Today · 4.125%
HK$7,796
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$475/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,592/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,162
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$223/mo
Today · 4.125%
HK$8,603
baseline
▲ 0.50% · 4.625%
HK$9,056
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,206/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,432
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,726
−HK$298/mo
Today · 4.125%
HK$10,024
baseline
▲ 0.50% · 4.625%
HK$10,634
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,048/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$10,493
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$285/mo
Today · 4.125%
HK$11,060
baseline
▲ 0.50% · 4.625%
HK$11,643
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,120/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).