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$5,181
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,342
−HK$164/mo
Today · 4.125%
HK$5,506
baseline
▲ 0.50% · 4.625%
HK$5,841
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,012/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,764
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,918
−HK$157/mo
Today · 4.125%
HK$6,075
baseline
▲ 0.50% · 4.625%
HK$6,395
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,150/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,217
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,411
−HK$196/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$7,009
+HK$402/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$13,214/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,917
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$188/mo
Today · 4.125%
HK$7,290
baseline
▲ 0.50% · 4.625%
HK$7,675
+HK$385/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$14,580/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,253
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,479
−HK$229/mo
Today · 4.125%
HK$7,708
baseline
▲ 0.50% · 4.625%
HK$8,177
+HK$469/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,416/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,069
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,286
−HK$219/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$449/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,010/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,326
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,616
−HK$295/mo
Today · 4.125%
HK$9,911
baseline
▲ 0.50% · 4.625%
HK$10,514
+HK$603/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,822/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,375
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,653
−HK$282/mo
Today · 4.125%
HK$10,935
baseline
▲ 0.50% · 4.625%
HK$11,512
+HK$577/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,870/mo (50% DSR)
Upfront cash ≈ HK$227K (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).