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$5,174
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,335
−HK$163/mo
Today · 4.125%
HK$5,498
baseline
▲ 0.50% · 4.625%
HK$5,833
+HK$335/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,996/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,756
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,910
−HK$157/mo
Today · 4.125%
HK$6,067
baseline
▲ 0.50% · 4.625%
HK$6,387
+HK$320/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,134/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,209
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,402
−HK$196/mo
Today · 4.125%
HK$6,598
baseline
▲ 0.50% · 4.625%
HK$6,999
+HK$401/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$13,196/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,907
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$188/mo
Today · 4.125%
HK$7,280
baseline
▲ 0.50% · 4.625%
HK$7,664
+HK$384/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$14,560/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,243
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,469
−HK$229/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,166
+HK$468/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,396/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,058
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$219/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$8,941
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$16,986/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,313
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$294/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,794/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$10,360
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$282/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,840/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).