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$5,216
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,378
−HK$165/mo
Today · 4.125%
HK$5,543
baseline
▲ 0.50% · 4.625%
HK$5,881
+HK$338/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,086/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$5,803
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,959
−HK$157/mo
Today · 4.125%
HK$6,116
baseline
▲ 0.50% · 4.625%
HK$6,439
+HK$323/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,232/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$6,259
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$198/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,057
+HK$405/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$13,304/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,963
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,150
−HK$190/mo
Today · 4.125%
HK$7,340
baseline
▲ 0.50% · 4.625%
HK$7,727
+HK$387/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$14,680/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,303
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,530
−HK$231/mo
Today · 4.125%
HK$7,761
baseline
▲ 0.50% · 4.625%
HK$8,233
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,522/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,124
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$221/mo
Today · 4.125%
HK$8,563
baseline
▲ 0.50% · 4.625%
HK$9,014
+HK$451/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,126/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,389
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$297/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,585
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,956/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,445
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$285/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,020/mo (50% DSR)
Upfront cash ≈ HK$229K (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).